Skip to main content

Site Logo

Tools and calculator
Customer service

Sign in

Tools and calculator
Customer service

Home
Section

keyboard_arrow_up back to top

back to top keyboard_arrow_up

Tax-advantaged accounts

Health savings accounts (HSAs)
Flexible spending accounts (FSAs)
Commuter benefits

Resources

Resource hub
Customer service

Accessibility

Language Assistance / Non-Discrimination Notice
Asistencia de Idiomas / Aviso de no Discriminación
語言協助 / 不歧視通知

Health savings accounts (HSAs) are individual accounts largely held at Optum Bank®, Member FDIC, 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.

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 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. 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.

© 2025 Optum, Inc. All rights reserved. Stock photos used.

Privacy policy
Terms of use
Opt out
Accessibility
Vulnerability report