www.optum.com
Open in
urlscan Pro
149.111.128.88
Public Scan
Submitted URL: http://www.optumfinancial.com/
Effective URL: https://www.optum.com/financial-services.html
Submission: On September 22 via manual from US — Scanned from DE
Effective URL: https://www.optum.com/financial-services.html
Submission: On September 22 via manual from US — Scanned from DE
Form analysis 2 forms found in the DOM
<form class="yxt-SearchBar-form">
<label class="sr-only" for="yxt-SearchBar-input--gs_answers_0_header-search" id="yxt-SearchBar-inputLabel--gs_answers_0_header-search"> Conduct a search </label>
<input class="js-yext-query yxt-SearchBar-input" id="yxt-SearchBar-input--gs_answers_0_header-search" type="text" name="query" value="" placeholder="Search here" aria-label="Conduct a search" aria-autocomplete="list"
aria-controls="yxt-SearchBar-autocomplete--gs_answers_0_header-search" aria-haspopup="listbox" autocomplete="off" autocorrect="off" spellcheck="false" aria-expanded="false">
<button type="button" class="js-yxt-SearchBar-clear yxt-SearchBar-clear yxt-SearchBar--hidden component yxt-Answers-component" data-eventtype="SEARCH_CLEAR_BUTTON" data-eventoptions="{}" data-component="IconComponent"
data-opts="{ "iconName": "close" }" data-prop="icon" data-is-component-mounted="true" data-is-analytics-attached="true">
<div class="Icon Icon--close " aria-hidden="true">
<svg viewBox="0 1 24 24" xmlns="http://www.w3.org/2000/svg">
<path d="M7 8l9.716 9.716m0-9.716L7 17.716" stroke="currentColor" stroke-width="2"></path>
</svg>
</div>
<span class="yxt-SearchBar-clearButtonText sr-only"> Clear </span>
</button>
<button type="submit" class="js-yext-submit yxt-SearchBar-button">
<div class="yxt-SearchBar-buttonImage component yxt-Answers-component" data-component="IconComponent" data-opts="{ "iconName": "magnifying_glass" }" data-is-component-mounted="true">
<div class="Icon Icon--magnifying_glass " aria-hidden="true">
<svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg">
<path d="M16.124 13.051a5.154 5.154 0 110-10.308 5.154 5.154 0 010 10.308M16.114 0a7.886 7.886 0 00-6.46 12.407L0 22.06 1.94 24l9.653-9.653A7.886 7.886 0 1016.113 0"></path>
</svg>
</div>
</div>
<span class="yxt-SearchBar-buttonText sr-only"> Submit </span>
</button>
</form><form class="yxt-SearchBar-form">
<label class="sr-only" for="yxt-SearchBar-input--gs_answers_1_header-search" id="yxt-SearchBar-inputLabel--gs_answers_1_header-search"> Conduct a search </label>
<input class="js-yext-query yxt-SearchBar-input" id="yxt-SearchBar-input--gs_answers_1_header-search" type="text" name="query" value="" placeholder="Search here" aria-label="Conduct a search" aria-autocomplete="list"
aria-controls="yxt-SearchBar-autocomplete--gs_answers_1_header-search" aria-haspopup="listbox" autocomplete="off" autocorrect="off" spellcheck="false" aria-expanded="false">
<button type="button" class="js-yxt-SearchBar-clear yxt-SearchBar-clear yxt-SearchBar--hidden component yxt-Answers-component" data-eventtype="SEARCH_CLEAR_BUTTON" data-eventoptions="{}" data-component="IconComponent"
data-opts="{ "iconName": "close" }" data-prop="icon" data-is-component-mounted="true" data-is-analytics-attached="true">
<div class="Icon Icon--close " aria-hidden="true">
<svg viewBox="0 1 24 24" xmlns="http://www.w3.org/2000/svg">
<path d="M7 8l9.716 9.716m0-9.716L7 17.716" stroke="currentColor" stroke-width="2"></path>
</svg>
</div>
<span class="yxt-SearchBar-clearButtonText sr-only"> Clear </span>
</button>
<button type="submit" class="js-yext-submit yxt-SearchBar-button">
<div class="yxt-SearchBar-buttonImage component yxt-Answers-component" data-component="IconComponent" data-opts="{ "iconName": "magnifying_glass" }" data-is-component-mounted="true">
<div class="Icon Icon--magnifying_glass " aria-hidden="true">
<svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg">
<path d="M16.124 13.051a5.154 5.154 0 110-10.308 5.154 5.154 0 010 10.308M16.114 0a7.886 7.886 0 00-6.46 12.407L0 22.06 1.94 24l9.653-9.653A7.886 7.886 0 1016.113 0"></path>
</svg>
</div>
</div>
<span class="yxt-SearchBar-buttonText sr-only"> Submit </span>
</button>
</form>Text Content
Skip to main content
O4 Dynamic Alert
Site Logo
O4 Global Search
Conduct a search
Clear
Submit
O4 Utility Nav
* O4 Utility Nav Items
Contact us
* O4 Utility Nav Items
Sign in
O4 Main Nav
* O4 Main Nav Items
Individuals and families
* Care
* Financial services
* Pharmacy services
* O4 Main Nav Items
Industry professionals
* Overview
* Consultants and brokers
* Employers
* Federal government
* State government
* Health plans
* Life sciences
* Providers
* O4 Main Nav Items
About us
* Overview
* Social responsibility
* Leadership
* News
O4 Global Search
Conduct a search
Clear
Submit
* O4 Main Nav Items
Individuals and families
* Care
* Financial services
* Pharmacy services
* O4 Main Nav Items
Industry professionals
* Overview
* Consultants and brokers
* Employers
* Federal government
* State government
* Health plans
* Life sciences
* Providers
* O4 Main Nav Items
About us
* Overview
* Social responsibility
* Leadership
* News
O4 Utility Nav
* O4 Utility Nav Items
Contact us
* O4 Utility Nav Items
Sign in
Close
O4 L2 Nav
* Financial services
* O4 L2 Nav Item
Health benefit accounts
* Health savings accounts (HSAs)
* Flexible spending accounts (FSAs)
* Health reimbursement arrangements (HRAs)
* Health account comparison
* Lifestyle spending accounts
* Commuter benefits
* O4 L2 Nav Item
Tools and calculators
* O4 L2 Nav Item
Financial resources
* Health account FAQs
* Mobile app
* HealthSafe ID
* See all resources
* O4 L2 Nav Item
Member support
* Financial services
* O4 L2 Nav Item
Health benefit accounts
* Health savings accounts (HSAs)
* Flexible spending accounts (FSAs)
* Health reimbursement arrangements (HRAs)
* Health account comparison
* Lifestyle spending accounts
* Commuter benefits
* O4 L2 Nav Item
Tools and calculators
* O4 L2 Nav Item
Financial resources
* Health account FAQs
* Mobile app
* HealthSafe ID
* See all resources
* O4 L2 Nav Item
Member support
O4 Breadcrumbs
* < Home
* >Financial services>
O4 Hero Banner
TACKLING HEALTH COSTS, FOR YOU
It’s our mission to help people live healthier, happier lives. Together, we’re
tackling health costs, and we are always here for you.
Sign in View qualified expenses
O4 Video Modal
O4 Quick Links
Register your new account
Learn about your account
Get answers to FAQs
Spend your account dollars
Boost your HSA balance
Open an HSA
O4 Lateral Cards
Health benefit accounts
FIND THE RIGHT ACCOUNT FOR YOU
Explore the variety of account types below and learn how they can help you make
informed choices for your health and your life.
O4 Lateral Card
Health savings accounts (HSAs)
START SAVING SMARTER FOR LIFE
Your HSA is ready when you need it. Whether it’s prescription refills today, or
health costs down the road, you’re saving smart with an HSA.
Learn more
O4 Lateral Card
Flexible spending accounts (FSAs)
MAKE YOUR MONEY GO FURTHER
Your FSA allows you to use pre-tax funds for health and care costs for you and
your family. You save on every dollar you put into your FSA.
Learn more
O4 Complex Card Row
O4 Complex Card
Health reimbursement arrangements (HRAs)
HELP OFFSET COSTS FOR ELIGIBLE EXPENSES
An HRA is an employer-funded account for health care expenses.
Learn more
O4 Complex Card
Commuter benefits
HEADING INTO WORK?
Save on the cost of commuting to work by paying with pre-tax money.
Learn more
O4 Complex Card
Lifestyle spending accounts
IMPROVE YOUR WORK-LIFE BALANCE
Employer-funded assistance for expenses help improve your work-life balance.
Learn more
O4 Section Message
FAQs
FREQUENTLY ASKED QUESTIONS ABOUT YOUR HEALTH ACCOUNTS
Check out our frequently asked questions to learn how to make the most of your
health account and estimate how much you should save.
Browse FAQs
O4 Simple Cards
Calculate how much you could save
USE YOUR HEALTH ACCOUNT DOLLARS WISELY
Use our tools to help you save, pay and invest for your health care from now
into retirement.
O4 Simple Card - Row
O4 Simple Card
HSA CALCULATOR
Find contribution details and how savings may grow over time.
Calculate savings
O4 Simple Card
RETIREMENT CHECKUP
Estimate your health care costs during retirement so you can be prepared.
Get started
O4 Simple Card
QUALIFIED EXPENSES
Use our qualified medical expense search tool to find out what expenses qualify.
View expenses
O4 Simple Card
FSA CALCULATOR
See how much you can save on eligible health and day care expenses.
Calculate savings
O4 50-50 Content Block
Use your HSA/FSA dollars
THE OPTUM STORE — YOUR DESTINATION FOR ELIGIBLE PRODUCTS
The Optum Store makes it easy to find what products and services are eligible —
so you can put your funds to good use.
Use code OPTFSA7 with your FSA to receive a 7% discount.
Use code OPTHSA5 with your HSA to receive a 5% discount.
Shop now
O4 Gallery
Resources
WE'RE HERE TO HELP
Whether you’ve just opened your account or you’re preparing to retire, our
resources make it easy to save, pay and invest in your future.
O4 Complex Card
Play
Video
HOW TO USE YOUR HSA
Learn more about the tax benefits of an HSA, who you can spend your funds on and
what types of expenses are qualified.
Watch video Read about HSAs
O4 Video Modal
Play Video
Play
Mute
Current Time 0:00
/
Duration Time 1:51
Loaded: 0%
Progress: 0%
Stream TypeLIVE
Remaining Time -1:51
Playback Rate
1
* Chapters
Chapters
* descriptions off, selected
Descriptions
* subtitles off, selected
Subtitles
* captions off, selected
* English for the hard of hearing
Captions
Audio Track
* High
* Low
Quality
Fullscreen
This is a modal window.
Captions Settings Dialog
Beginning of dialog window. Escape will cancel and close the window.
Text Color White Black Red Green Blue Yellow Magenta Cyan Transparency Opaque
Semi-Opaque Background Color Black White Red Green Blue Yellow Magenta Cyan
Transparency Opaque Semi-Transparent Transparent Window Color Black White Red
Green Blue Yellow Magenta Cyan Transparency Transparent Semi-Transparent Opaque
Font Size 50% 75% 100% 125% 150% 175% 200% 300% 400%
Text Edge Style None Raised Depressed Uniform Dropshadow
Font Family Proportional Sans-Serif Monospace Sans-Serif Proportional Serif
Monospace Serif Casual Script Small Caps
Defaults Done
Close
WHAT IS AN HSA
Narrator:
Take charge of your healthcare spending. Save smart, it’s easy with a health
savings account, or HSA.
An HSA is used to save for qualified medical expenses for you and your eligible
dependents, both now and in the future. It works like a regular bank account.
However, an HSA has big tax benefits. In fact, in most cases there are three
ways an HSA helps you keep your money in your pockets and out of Uncle Sam’s.
First, generally you won’t pay federal income tax on money you deposit into your
account. Keep in mind the IRS sets limits on how much you can contribute each
year.
Second, you won’t pay income tax on money you use for qualified medical
expenses, that includes vision and dental expenses.
And third, your savings grow income tax free, helping you create a nice little
nest egg for retirement.
More good news, with an HSA there’s no use it or lose it rule, that means the
money in your account is yours to keep, even if you change jobs or health plans.
Who’s eligible for an HSA? The main requirement is that you’re covered under a
qualifying high-deductible health plan or HDHP. Although there are additional
requirements defined by the IRS.
So, don’t wait, if you don’t already have an HSA open one! If your HSA is
already up and running, contribute to it.
Start taking charge of your health care savings and spending with a health
savings account, an easy way to save smart.
O4 Simple Card Short
Article
Start saving today by boosting your HSA balance
Read article
O4 Simple Card Short
Video
Explore investment options to help meet your financial goals
Watch video
O4 Simple Card Short
Article
Get tips for spending your FSA dollars
View tips
View all resources
O4 Section Message
CUSTOMER SUPPORT
Our customer support center is available for assistance 24/7 at 1-877-292-4040.
Email us today
O4 Lateral Cards
USE YOUR HEALTH ACCOUNT DOLLARS
Save money by using your health account dollars on qualified medical expenses.
O4 Lateral Card
Optum Store
YOUR DESTINATION FOR ELIGIBLE PRODUCTS AT PRICES YOU’LL LOVE
The Optum Store makes it easy to find what products and services are eligible.
Shop today!
Shop now
O4 Lateral Card
Eligible expenses
DOES YOUR EXPENSE QUALIFY?
Filter by expense type to learn what you can buy with your health account.
View expenses
O4 1 Column (Full)
O4 Text Component
Health savings accounts (HSAs) are individual accounts offered through Optum
Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank
Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum
Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured
institution. HSAs are subject to eligibility requirements and restrictions on
deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may
reduce earnings on account.
Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs),
and health reimbursement arrangements (HRAs), (collectively, “Employer-Sponsored
Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc.
or ConnectYourCare, LLC (collectively, "Optum Financial") and are subject to
eligibility and restrictions. Employer-Sponsored Plans are not individually
owned and amounts available under the Employer-Sponsored Plan are not FDIC
insured.
This communication is not intended as legal or tax advice. Federal and state
laws and regulations are subject to change. Please contact a legal or tax
professional for advice on eligibility, tax treatment, and restrictions. Please
contact your plan administrator with questions about enrollment or plan
restrictions.
The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to
previously placed orders, and cannot be combined with other promotional codes.
Additionally, the code cannot be used for prescription drugs or virtual care
visits. Promotional codes are not transferable or redeemable for cash or credit.
To apply a promotional code you must enter it prior to completing the order.
Free and expedited shipping offers do not apply to shipping outside of the
contiguous United States. Additional shipping restrictions may apply. The Optum
Store is an affiliate of the UnitedHealth Group family of companies.
Your employer sponsored plan may exclude reimbursement for certain categories of
items. Check your plan document and summary plan description or contact your
benefits department for specific coverage details.
Top Top
O4 Footer
O4 Footer Nav
O4 Footer Nav Items
Company
* Contact us
* Careers
* Accreditations
* Brand Center
* More Optum sites
O4 Footer Nav
O4 Footer Nav Items
Countries
* Optum Brazil
* Optum India
* Optum Ireland
* Optum United Kingdom
O4 Footer Accessibility Nav
O4 Footer Nav Items
Accessibility
* Language Assistance / Non-Discrimination Notice
* Asistencia de Idiomas / Aviso de no Discriminación
* 語言協助 / 不歧視通知
O4 Legal & Social Bar
FOLLOW US
* on linkedin
* on facebook
* on twitter
* on instagram
--------------------------------------------------------------------------------
© 2022 Optum, Inc. All rights reserved. Stock photos used.
* Privacy policy
* Terms of use
* Opt out
* Accessibility
* Vulnerability report
Feedback