Explore your health finance accounts
We help you connect the worlds of health and finance in new ways. Simpler, smarter health care finances can lead to better, more impactful care experiences.
Health savings account (HSA)
An HSA is a tax-advantaged account that can help you pay for qualified medical expenses.
Health care flexible spending account
A health care FSA (HCFSA) reimburses you for eligible health care expenses for you and your eligible dependents.
Dependent care flexible spending account
A dependent care flexible spending account (DCFSA) can help you put aside dollars, income tax-free, for the care of children under the age of 13 or for dependent adults who can’t care for themselves.
HSA on Demand
With HSA on Demand, your employer accelerates your expected HSA contributions so you can immediately cover your health care expense — right at the point of service.
Commuter benefits - Online ordering model
Reduce your commuting expenses by taking advantage of commuter benefits.
Lifestyle spending accounts
Lifestyle spending accounts help those facing life challenges outside of the work environment and improve their work-life balance.
Health finance resources
Whether you’ve just opened your account or consider yourself an expert, our resources make it easy to save, pay and invest in your future.
What is HealthSafe ID
HealthSafe ID enhances the security of your health account with dual-factor authentication so it remains safe and secure.
Shop the Optum Store
Visit the Optum Store and explore a wide range of HSA and FSA-eligible products at affordable prices.
Get the Optum Financial app
With the Optum Financial mobile app, you can easily manage your HSA, FSA or HRA anywhere, anytime.