Whether you’re new to our app or a current user, we help you make the most of your HSA benefits.
Life has its surprises, but with an Optum Bank HSA, paying for qualified medical expenses won't be one of them. Learn more about the benefits of an HSA.
Keep Uncle Sam out of your pocketbook. The money you contribute to your HSA goes in, grows and comes out income tax free when used for qualified medical expenses. You know you're going to need it — so why not save on taxes, too?
Your HSA card fast-tracks your payments and lets you skip the paperwork — all while saving you 30%* by using HSA dollars. Use it online, in store or at your doctor. Learn more.
Already have a health savings account (HSA) with another HSA provider? Save time by combining your HSAs into a single account with Optum Bank. It's easy to do. Learn more.
You get to keep the money in your HSA, no matter what, even if you change jobs or move off a qualifying high-deductible health plan. When you, your employer or anyone else makes a contribution to your HSA, it stays there so you can use it when you need it.
You can use your HSA to pay for the qualified medical expenses of anyone you claim on your taxes, even if you're only enrolled with single coverage. This is a great way to plan for unexpected medical expenses — from your deductible to an ER visit — for the whole family.
In addition to contributing to your 401(k), you can also invest your HSA dollars to help grow your balance. Unlike a 401(k), when you use HSA funds for qualified medical expenses, it’s always 100% income tax-free. Learn more about our investment options.
An HSA is a great tool to help you prepare for future health care costs and retirement. After turning 65, you can use your HSA funds for non-qualified expenses, like a boat or an exotic vacation. You’ll pay ordinary income tax on those funds, but the 20% tax penalty no longer applies. As you're planning for the future, your HSA can ease your mind and prepare you for retirement by saving money income tax free.
Horizontal Rule Color BlockYour HSA-FSA card is the fastest and most convenient way to pay for qualified expenses like bandages, braces, chiropractors and more. Plus, you save up to 30% since you’re using pretax dollars.*
Save even more with Optum Store — 7% savings on FSA purchases with code OPTFSA7 and 5% on HSA purchases with code OPTHSA5. Shop Optum Store today.
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Your payment card is the most convenient way to pay for all the items that are covered by your account. Bonus – you also save an average of 30% on any health costs because you are using pre-tax funds.
It’s fast for paying on-the-spot at all kinds of places like big box stores and small stores too, the doctor’s office, the pharmacy checkout, and even for online purchases or for bills from your provider.
Plus, no more worries about carrying cash, checks or other credit cards or waiting to be reimbursed for out-of-pocket expenses. Remember your payment card and you can forget about the paperwork since your purchases will be recorded and, almost always, automatically verified.
It doesn’t get any simpler. Using your payment card is the easy way to pay! For even more convenience, just add your card to your phone or watch’s digital wallet!
Max out your HSA this year with contribution limits set by the IRS.
Learn more about how to put your HSA to work for you.
Learn how to save time by combining your HSAs into a single account with Optum Bank.
Horizontal RuleLearn how to make an online after-tax deposit into your HSA.
Use your HSA card to shop for everyday health expenses like bandages, braces, chiropractors and contacts — all while saving 30% with pre-tax funds.*
Take charge of paying for qualified medical expenses.
Prepare for tax season and get answers to your questions about your taxes.
It’s easy to take your HSA with you wherever you go.
Horizontal RuleWant to build up your balance? You can choose to invest your HSA dollars.
View the standard investment options available.
Your HSA can be used as part of your broader financial planning.
*Savings compares using pre-tax income in your HSA to using after-tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state and FICA taxes. Results and amount will vary depending on your circumstances.
OptumBank Special Footer Disclaimer DPL Footer Navigation DPL Footer Nav DPL Footer Nav ItemsHealth 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.
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