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About Optum Financial

We are transforming how care is financed and paid for, accelerating a healthier future for all. 

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We’re setting a new standard

At Optum Financial® we are innovating to make care financially accessible to all who need it, paving the way for better outcomes.

With deep expertise and connections across health and finance, we are focused on making financial transactions in health care simpler and more efficient.

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Who we help

We provide effective financing and payment services, expanding access to care and increasing confidence in the health system.

Make the most of your health accounts

Health savings accounts (HSAs)

Ready when you need it and yours to keep 

Flexible spending accounts (FSAs)

Use pre-tax funds for health and care costs

Health reimbursement arrangements (HRAs)

Employer funds for health care expenses

Empower employees to manage their health and financial wellness

Health savings accounts (HSAs)

Accelerate progress toward a healthier future

Flexible spending accounts (FSAs)

Help employees save money on qualified expenses

Lifestyle spending accounts

Attract and retain talent in a competitive market

A better payment experience for you, your members and providers

Optum Pay

Expedites payments and streamlines claims data

Working Capital for Health Care Providers

Easy and fast access to funds

Health payment and delivery solutions

Configurable and secure payment platform

Gain a competitive edge by connecting clients with our solutions

Health savings accounts (HSAs)

Accelerate progress toward a healthier future

Lifestyle spending accounts

Help employees save money on qualified expenses

Stop loss insurance

Protect self-funded employers from financial risk

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Use your health account dollars wisely

Shop HSA and FSA products


Use your Optum Financial payment card to shop for qualified expenses.

Qualified medical expenses


Find out what qualified expenses you can spend your health account dollars on.

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Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each 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 taxes may apply. Fees may reduce earnings on account.

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, “Employer-Sponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, "Optum Financial") 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. Federal and state laws and regulations are subject to change. Please contact 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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