Delivering a smarter benefits experience
At Optum Financial, we’ve simplified the benefits experience, making it easier for employees to manage their tax-advantaged accounts — including HSAs, FSAs, HRAs, LSAs, and more — through an employer portal tailored to each account type.
Our innovative solutions help employees make smart decisions about their health care spending through one easy-to-use digital wallet that brings together all their benefit accounts in one place.
Reimagining benefits from the ground up
A complete suite of tax-advantaged accounts
Access a comprehensive suite of tax-advantaged accounts — including HSAs, FSAs, HRAs, LSAs, and Commuter benefits — with additional support available for COBRA administration.
Drive smarter financial decisions and healthier behaviors with our financial tools
From digital wallets to investment options to personalized savings checkups, our health benefit accounts are designed to help employees become better consumers of care.
A seamless benefits experience
Employees get one simple experience to manage all their health benefit accounts — like HSA, FSA, and HRA — in a single place. The interface is easy to navigate and built around what employees need most: quick access to funds, clear account details, and tools that help them stay on top of their health care spending.
Built-in compliance and administration features
Our streamlined employer portal offers robust financial reporting tools, and expert support. So you can save time and reduce risk.
Explore Optum Health Benefits Accounts
Solution suite
Health Savings Accounts for Employers
Give your employees the tools to take control of their care and save their valuable time with an Optum Financial Health Savings Account (HSA).
Solution suite
Flexible Spending Accounts for Employers
Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions to FSAs.
Solution suite
Health Reimbursement Arrangements for Employers
Use an HRA to help offset employees’ healthcare costs while providing tax savings to the organization.
Solution suite
Commuter Benefits
Support your employees with a pre-tax account that saves them money on qualified expenses for their individual commute to work.
Solution suite
Lifestyle Spending Accounts
Attract and retain talent in a competitive market, connect your benefits to your culture and show you care for your employees.
Solution suite
COBRA Administration for Employers
We’re making COBRA easier to navigate. From compliance to payments, Optum is here to handle the details. Get expert support, real-time tools, and peace of mind—so you can focus on your people and not their paperwork.
Solution suite
Stop Loss Insurance
Protect your self-funded employer benefit plan from excessive expenses related to increased healthcare utilization.
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COBRA is administered on behalf of your COBRA plan administrator by Optum Financial, Inc. or ConnectYourCare, LLC and is subject to eligibility and restrictions. Optum Financial, Inc. and ConnectYourCare, LLC are not plan administrators.
Health savings accounts (HSAs) are individual accounts held at Optum Bank® , Member FDIC, unless otherwise indicated, and administered by Optum Financial, Inc. or ConnectYourCare, LLC, an IRSDesignated Non-Bank Custodian of HSAs, 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 and/or local taxes may still apply. Fees may reduce earnings on account. Refer to your HSA account agreement for details.
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, “EmployerSponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC 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. Consult 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.
Stop loss insurance is underwritten by Unimerica Insurance Company. In California, stop loss insurance is underwritten by Unimerica Life Insurance Company, and in New York, stop loss insurance is underwritten by UnitedHealthcare Insurance Company of New York.