Individual Health Savings Account (HSA)
Health Care Savings
+ Financial Well-Being
Open a Optum Financial HSA so you and your family can save money on medical expenses now and meet your financial goals for the future.

What’s an HSA?
Your Savings Vehicle for Current and Future Health Care Needs
An HSA—formally known as a health savings account—lets you easily set aside money to cover thousands of eligible health care expenses for you and your family. The money that you contribute toward your account qualifies for tax savings right from the start, so you can make the most out of every dollar saved. What's more, unused dollars can be invested and tucked away for retirement savings.*
Take an important step towards financial freedom and
open your account today.
How do I save?
Triple Tax Savings
Good Things Come in Threes!

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The money you put into your HSA is done so on a tax-deductible basis—meaning savings come tax time!**
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You earn interest on your HSA savings, which is never taxed by the IRS. And if you choose to invest from our list of nationally recognized mutual funds, the IRS doesn't tax those earnings either!
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You can use your HSA funds to cover thousands of eligible medical items and services—all tax free!
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The money you put into your HSA is done so on a tax-deductible basis—meaning savings come tax time!**
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You earn interest on your HSA savings, which is never taxed by the IRS. And if you choose to invest from our list of nationally recognized mutual funds, the IRS doesn't tax those earnings either!
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You can use your HSA funds to cover thousands of eligible medical items and services—all tax free!
Ready to take the next step?
Sign up today and open a new HSA account in just a few minutes!
How can I use my HSA?
Your HSA is Yours to Own, Control, and Grow!
The dollars you contribute to your account roll over year after year. There's no "use it or lose it" requirement here!
Whether you take one step as a saver, two steps in spending on eligible medical expenses (while saving on taxes), or all three steps in choosing to invest your funds, you are in total control of your account.




Simply fund your HSA and you're on your way.

Make eligible medical purchases and manage your account with ease.

Maximize your savings potential and get that retirement nest egg ready.***
How do I qualify?
HSA Eligibility
To open an HSA, you must be enrolled in a High Deductible Health Plan (HDHP), a plan with a higher deductible than a traditional insurance plan. This is where an HSA becomes quite useful.
To qualify for a health savings account, you must meet all these requirements:
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Must be covered by a High-Deductible Health Plan (HDHP)
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Cannot be claimed as a dependent on someone else’s tax return
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Cannot have any other health coverage, including: enrollment in another health plan, Medicare, or military/veteran health benefits

What’s covered?
Qualified Health Savings Account Expenses
You can use your HSA to pay for thousands of qualified medical expenses and out-of-pocket medical costs, including:












How does it benefit me?
Health Savings Account Advantages

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You’re in Control
You choose how much to contribute and when to use your funds, keeping you in command of health care spending.
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More Money in Your Pocket
Triple tax advantages with tax-free contributions, gains, and withdrawals.**
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Freedom & Flexibility
We've got you covered! Continue your savings journey without skipping a beat during job changes, relocations, family expansion, or whatever life brings your way.
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Keep Your Money
Your HSA contributions roll over year after year, helping you build your retirement nest egg.
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On-the-Go Access
Easily access your account balance and make investments through Optum Financial's mobile app.
How can I maximize my HSA?
Health Savings Account Resources
Where can I learn more?
Frequently Asked Questions
Ready to Get Connected?
Open a new health savings account within minutes!
Getting started couldn't be easier. Save on medical expenses now ... and for the future!

Have questions? Need help?
*Investment funds are not Federal Deposit Insurance Corp. (FDIC) insured, not bank issued or guaranteed, and are subject to risk, including fluctuations in value and the possible loss of the principal amount invested. Please consult your financial planner for more information.
**For more information, please contact your tax advisor or refer to IRS Publication 969 at http://www.irs.gov/pub/irs-pdf/p969.pdf. States may have different or additional tax rules regarding HSAs. Always refer to your state’s tax guidance regarding HSA filing and taxation.
***ConnectYourCare is not a broker-dealer or registered investment advisor, and does not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit such transactions. The HSA investment program is an optional, “self-directed” product, i.e., the decision to invest a portion of your HSA cash balance into HSA Investment Account, if at all, and which HSA Investments to choose are solely within your discretion and at your direction. Before you make any investment, you should carefully review the mutual fund’s prospectus and consider its objectives, associated risks and any fees or expenses that may apply. Investing entails the risk of loss of principal.