Informational

Access your Optum Financial portal:

Log in via SSO on the State Farm intranet, visit 'My SF Benefits,' find the Optum Financial link, or use HealthSafe ID.

Sign in/register

Tips for spending your FSA dollars

Have you used all your funds yet?

Sign in to check your balance

Use it or lose it

It’s important to understand that in most cases flexible spending accounts (FSAs) do have a “use it or lose it” rule. That means you would lose any money left in your account at the end of the plan year. See the information below on how to help manage your FSA funds.

Resources to maximize your FSA funds

   

Unsure of what expenses qualify?

Use the Qualified Medical Expenses search tool to check if an expense qualifies to use your FSA funds on.

Introducing Optum Store

Shop at the Optum Store, where you’ll find HSA- and FSA-eligible products you need at prices you’ll love.

Tax savings 

Your taxable income is reduced by the amounts you deposit into your FSA accounts, up to IRS limits.

2026 limits:

  • Health care FSA max IRS election: $3,400
  • Dependent care FSA max IRS election:
    • Individual: $3,750
    • Family: $7,500

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), and health reimbursement arrangements (HRAs), (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.

Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.

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