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Flexible spending accounts (FSAs)

An 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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Save on medical and dependent care expenses

An FSA allows you to set aside pre-tax funds

There are three different types of FSAs and, since you don’t pay taxes on this money, you save on every dollar you put into your FSA - 30% in some cases.*

Make the most of your FSA

Browse additional solutions to help you better understand your FSA.

Dependent care flexible spending account

Learn how you can use tax-free money to pay for dependent care.

Find FSA-eligible items the Optum Store

Use your FSA payment card and code OPTFSA7 for easy checkout **.

Limited purpose flexible spending account

Learn about the benefits of pairing a limited purpose FSA with an HSA.

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Health account frequently asked questions (FAQs)

Part of making the most of your health accounts is understanding how to use them. Browse our FAQs to get more from your health accounts.

Spending your FSA dollars

Learn more about how to manage your FSA funds so you don't lose them.

What is a dependent care FSA?

Learn how you can use tax-free money to pay for dependent care.

Optum Financial mobile app

The Optum Financial mobile app puts all your account information at your fingertips, so you can get back to the things you love in life.

Calculate your health savings

See how your health accounts can impact your wallet. Use our tools and resources to calculate how to save and pay for qualified expenses.

Optum Financial mobile app

Save time and take control with our advanced mobile app. Download the app today.

Optum Financial payment card

Learn more about how to use your Optum Financial payment card to pay for eligible medical expenses without submitting paper claim forms.

How to file a claim

Learn how to file a claim for an out-of-pocket expense using your flexible spending account (FSA). It’s easy.

What is a limited purpose FSA?

Find out why pairing a limited purpose FSA with an HSA may be a smart choice.

What is a health care FSA?

Discover the benefits of having a health care FSA.

IRS 2023 regulatory alert and legislative updates

Learn more about the increased plan contribution limits for flexible spending accounts (FSAs), commuter benefits and adoption assistance in 2023.