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Connecting health care and finances

Health care costs shouldn’t get in the way of living a healthier life, future financial success or a comfortable retirement. When you take control of how you save, spend and invest for health care you make better health decisions which can lead to improved health and financial well-being.

Health accounts

Gain a complete understanding of the financial side of health.
We help you connect the worlds of health and finance in new ways because we believe that simpler, smarter health care savings and payments lead to better, more impactful care experiences.

Health savings account

An HSA is a tax-advantaged account that can help you pay for qualified medical expenses.

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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.

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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.

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Health care flexible spending account

A health care FSA (HCFSA) reimburses you for eligible health care expenses for you and your eligible dependents.

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Lifestyle spending accounts

Lifestyle spending accounts help those facing life challenges outside of the work environment and improve their work-life balance.

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Commuter benefits - Online ordering model

Reduce your commuting expenses by taking advantage of commuter benefits.

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Health Finance Ed Center

Understanding how to connect your health and finances is more important than ever. Our health finance ed center brings together industry-leading education, tools and resources designed to help you make the most of your health accounts.

What is HealthSafe ID

HealthSafe ID is our leading technology that strengthens website authentication protocols and enhances the security of your account by adding dual-factor authentication, so it remains safe and secure.

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Does your expense qualify?

Questions about whether an expense qualifies? Use our qualified medical expense search tool to filter by account type and expense type to see what qualifies.

View qualified medical expenses

Shop for all your health and wellness needs

Visit the Optum Store and explore its wide range of HSA- and FSA-eligible products at everyday low prices. We've got you covered.

Shop Optum Store

Optum Financial Mobile App

All the tools you need when you’re on the go. With the Optum Financial mobile app, you can easily manage your HSA, FSA or HRA anywhere.

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About Optum Financial

At Optum Financial we’re entirely dedicated to improving people’s well-being and are passionate about the relationship between health and finances.

We’re focused on providing innovative solutions that help you connect your health and finances in new ways.

Have questions or need help? 

You can get support 24/7 at 1-866-808-5214.