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WELCOME TO OPTUM BANK

Optum Bank, a part of Optum Financial, is connecting health and finances in
unprecedented ways.

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Sign in

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New user? Register for online access



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DON’T HAVE AN HSA?

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Enroll today

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An HSA is like no other savings account. The money goes in on a pre-taxed basis
through payroll contributions, grows income tax-free and comes out income
tax-free when you use it for qualified medical expenses. Plus, you can carry
over unused available funds from year to year and the account is yours to keep
even if you change jobs, change health plans or retire.

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USING YOUR HEALTH ACCOUNT DOLLARS

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Qualified medical expenses


DOES YOUR EXPENSE
QUALIFY?

Use our qualified medical expense search tool to find out what expenses qualify.

View qualified expenses

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Qualified medical expenses


USE YOUR HSA/FSA DOLLARS

At the Optum Store, you can shop OTC products, fill your Rx, and get virtual
care using your Optum Financial payment card.

Shop now

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HEALTH FINANCE ED CENTER

Health care and finances are more connected than ever. Browse our resources
below to learn how to make the most of your health accounts and estimate how
much you should save.

Visit our resource hub to browse all of our resources, from videos to financial
wellness articles. You'll find educational materials to help you make better
decisions on how to save, pay and invest your health care dollars now and into
retirement.


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HSA resources


SHOW YOUR HSA SOME LOVE

Get up to speed on maximizing your HSA.

View tips

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HSA resources


MANAGE YOUR HSA CONTRIBUTIONS

Are you taking full advantage of all of your HSA's tax benefits by contributing
the maximum each year? Doing so will help you feel prepared for expected, and
unexpected, health care costs.

Manage your HSA contributions

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FSA spend down tips


USE, DON'T LOSE, YOUR FSA FUNDS

Remember to use your 2021 FSA money for eligible expenses. Browse tips on how to
help manage your FSA funds.

View tips

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Additional updates

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New HSA account holder checklist

FSA video - How to upload a receipt

FSA video - How to file a claim

Qualified medical expense search tool

Shop at the Optum Store

HSA contribution calculator

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NEWS AND REGULATORY UPDATES

Browse our resources below for the latest regulation and legislative changes
that may impact your health accounts.

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News and regulatory update


2023 HSA CONTRIBUTION LIMITS ANNOUNCED

The IRS announced an increase in HSA contribution limits for the 2021 tax year.

Learn more

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News and regulatory update


2022 FSA LIMITS ANNOUNCED

The IRS announced an increase in contribution limits for the 2022 tax year.

Learn more

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Regulatory update


AMOUNTS PAID FOR CERTAIN PPE TREATED AS QUALIFIED MEDICAL EXPENSES

PPE such as masks, hand sanitizer and sanitizing wipes purchased for preventing
the spread of COVID-19 are now treated as qualified medical expenses.

Learn more

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ADDITIONAL UPDATES

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COVID-19 relief bill for 125 cafeteria plans

The Coronavirus Aid, Relief and Economic Security (CARES) Act and your health
account

Employers may provide FSA relief through new COVID-19 bill

IRS 2021 HSA contribution limits

IRS 2021 FSA contribution limits

Extended deadlines — EBSA Disaster Relief Notice 2021-01

Featured Article(s)


FEATURED RESOURCES

Tips to make the most of your HSA


IS YOUR FUTURE FULLY FUNDED?



Funding your health savings account (HSA) today may help you prepare for
expected, and unexpected, health care costs tomorrow.

Online tools


FIND OUT IF YOUR EXPENSE QUALIFIES



Use our qualified medical expense tool to filter by account type and expense
type to see if it qualifies.

Tips to make the most of your HSA


MANAGE YOUR HSA CONTRIBUTIONS



Are you taking full advantage of all your HSA's tax benefits by contributing the
maximum each year?


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OptumBank Special Footer Disclaimer

Investments are not FDIC insured, are not bank issued or guaranteed by Optum
Financial or its subsidiaries, including Optum Bank, and are subject to risk
including fluctuations in value and the possible loss of the principal amount
invested.

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Self-directed mutual fund investment options are made available through the
services of an independent investment advisor, or your plan sponsor.
Discretionary advisory services are provided by Betterment LLC, an
SEC-registered investment adviser, with associated brokerage transactions
provided by Betterment Securities, Member FINRA/SIPC. For details and
disclosures visit betterment.com. The Schwab Health Savings Brokerage Account is
offered through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and
disclosures, visit schwab.com.

Orders are accepted to effect transactions in securities only as an
accommodation to HSA owners. Optum Financial and its subsidiaries are not
broker-dealers or registered investment advisors and do not provide investment
advice or research concerning securities, make recommendations concerning
securities or otherwise solicit securities transactions.

Health savings accounts (HSAs) and Medicare Advantage Medical Savings Accounts
(MSAs) are individual accounts offered or administered through Optum Bank®,
Member FDIC, a subsidiary of Optum Financial, Inc. Optum Financial, Inc. is not
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),
health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition
Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans,
Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored
Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc.
("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.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the
Apple logo are trademarks of Apple Inc., registered in the U.S. and other
countries. App Store is a service mark of Apple Inc., registered in the U.S. and
other countries.

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.

© 2022 Optum Inc. All rights reserved
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