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Spend less on health care expenses

At Optum Financial, we help you save on health costs, so you have more to spend on the things you love.

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.

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Health savings accounts (HSAs)

Start saving smarter for life

Your HSA is ready when you need it. Whether it’s refills today, or health costs down the road, you’re saving smart with an HSA.

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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.

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Health reimbursement arrangements (HRAs)

Help offset costs for eligible expenses

An HRA is an employer-funded account for health care expenses.

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Commuter benefits

Heading into work?

Save on the cost of commuting to work by paying with pre-tax money.

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Lifestyle spending accounts

Improve your work-life balance

Employer-funded assistance for expenses help improve your work-life balance.

HSA/FSA card

Pay the smarter way

Your HSA/FSA card is the fastest and most convenient way to pay for everything from bandages and braces, and chiropractors to contacts. Plus you save up to 30%* since you’re using pre-tax dollars.

It’s easy to find qualified HSA and FSA products at your favorite retailers like Optum Store, Walmart and Amazon.

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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.

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HSA calculator

Find contribution details and how savings may grow over time.

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Retirement checkup

Estimate your health care costs during retirement so you can be prepared.

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Qualified expenses

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

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FSA calculator

See how much you can save on eligible health and day care expenses.

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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.

Check out using your HSA or FSA card and skip the paperwork, plus, you save up to 30%* because you’re using pre-tax dollars.

Use code OPTFSA7 with your FSA to receive a 7% discount.
Use code OPTHSA5 with your HSA to receive a 5% discount.

Customer support

Our customer support center is available for assistance 24/7 at 1-877-292-4040.

Email us today

Use your health account dollars

Save money by using your health account dollars on qualified medical expenses.

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Optum Store

Shop eligible products

Optum Store makes it easy to find eligible expenses. Shop using your HSA or FSA card to save 30%* since you’re using pre-tax dollars.

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Eligible expenses

What can I buy?

Does your expense qualify? Use our qualified expense search tool to find out what expenses you can spend your HSA and FSA dollars on.

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*Savings compares using pre-tax income in your health benefit account (HSA, FSA) 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.