Only Optum provides a better benefits experience
With health care growing more expensive and complex, we know it's challenging to support the health of your employees. Optum Financial is empowering employees to become better consumers of health care — while helping HSA account providers streamline costs and time.
Together, we can maximize your contribution to the wellbeing of your people and your organization’s success.
Key employee benefits
We know it's challenging to support the health of your employees, that’s why we’re working to maximize the wellbeing of your people.
Up to 30% savings*
Employees using our HSAs can save on eligible medical expenses and everyday health items at stores where they already shop.
Digital account management
Access our HSAs through our mobile app, built with a digital wallet for secure online banking, where employees can pay their bills, and more.
Boost employee wellness
Our HSAs are proactive. They help employees plan for care today and tomorrow, by reducing care avoidance with the confidence they’ll have the financial wellness to support care.
Investment choices for every kind of investor
Our HSA is easy for account holders to use to pay for eligible medical expenses and comes with broad investment options for account holders looking to save for their future.
Optum Financial HSAs offer three different ways to invest:
Digitally managed funds
Provides investment options for employees who want to set it and forget it (robo-advice).
Mutual funds
Offers diversification, low costs, convenience and professional management.
Self-directed brokerage
The robust option for savvy investors who want more flexibility and control.
Industry insights
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The connection between money and health runs deeper than just costs — your employees rely on your benefits strategy for overall wellness.
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Learn how outsourcing payments could help you stay competitive and compliant.
Complementary solutions
Flexible Spending Accounts
Lifestyle Spending Accounts
COBRA Administration
* Assuming a 30% combined tax rate from all applicable federal, state and FICA taxes. Results and amount will vary depending on your circumstances.
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 IRS-Designated 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. 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.
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