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Health Savings Accounts (HSAs) for Employers

Accelerate progress toward a healthier future with an HSA that helps employees take control of their care, payments and overall health.

There’s no other benefit account like an HSA

With health care growing more expensive and complex, we know it's increasingly challenging to support the health of your employees. We partner with you to leverage insights, reduce costs for everyone, drive benefit utilization and support better health outcomes. 


As the No. 1 HSA provider in the United States,* we administer more than 8 million health accounts with over $17 billion in assets.

 

Investment choices for every kind of investor 

 

Our HSA is easy for account holders to use to pay for qualified medical expenses and has robust investment options for account holders who are saving for their future.


Investment options include digitally managed funds for employees who want to set it and forget it, and mutual funds that provide diversification and convenience. Self-directed brokerage accounts offer a do-it-yourself option for savvy investors who want more flexibility and control.

 

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Tax savings

Account holders don't pay income tax on:

  • Payroll contributions 
  • Payments for eligible expenses 
  • Interest earnings and investment growth
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Overall employee wellness

  • Helps employees plan for care today and tomorrow 
  • Reduces care avoidance by increasing payment confidence
  • Builds financial wellness
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Mobile account management

  • Mobile app with Apple Pay, Google Pay or Samsung Pay 
  • Secure online banking to view account, pay bills and more
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The Health Finance Journey™ model

The 5 Stages of Health Saving and Spending support how your employees use their HSA to meet their needs at any stage of life.

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Optum Store + Optum Financial payment card

Your employees can easily shop for HSA-eligible products at Optum Store and use their payment card to pay directly from their HSA.

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HSA On Demand

Let your employees access their full year’s contribution (employee and employer) at any time of year to pay for a qualified medical expense. This feature is optional.

Contact us

Are you a current client looking for support? Contact your account representative directly or email employerservice@of.optum.com.

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Complementary solutions

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Flexible Spending Accounts (FSAs)

Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions.

Learn about FSAs
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Lifestyle Spending Accounts

Attract and retain talent in a competitive market, connect your benefits to your culture and show your care for your employees.

Learn about accounts
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COBRA Administration

Remove complexity, save time and increase compliance with our unique administration capabilities.

Learn about COBRA
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*Devenir 2021 year-end report based on assets, March 2022.