Health and finances have never been more connected
At Optum Financial, we’re entirely dedicated to improving people’s well-being, and we're passionate about the relationship between health and finances. Because when we understand the relationship between finance and health, we can all reach our full potential.
Optum Financial is the leader in health accounts and payment solutions. To help people and organizations better manage health care expenses, we leverage our:
- Digital platforms
- Advanced analytics
- Proprietary technology
Deep expertise and solutions for success
1.8 million providers in our payment network**
- The most extensive provider network in the country**
- Robust payment and financial solutions for greater success for payers and providers — $200B in payment processing**
8 million health accounts*
- #1 HSA provider in the U.S.*
- Offering a spectrum of accounts — HSA, HRA, FSA, HIA, commuter and COBRA~ Over $17 billion in assets**
Diverse investment options
Choose from mutual fund investment options and more.
*2020 Year-End Devenir HSA Research Report
** Optum Pay™ book of business, 2021
Modernizing how to save and pay for health care
We are modernizing how to save and pay for health care, connecting health and finance in unprecedented ways. Our solutions are designed to strengthen this connection for employers, health care organizations and the people they serve in ways others cannot:
- Health accounts — Encouraging better spending, saving and investing habits based on each person’s health and financial circumstances so they are prepared for current and future expenses. Optum Bank, member FDIC, is the health accounts administrator for Optum Financial and the top HSA provider in the United States.
- Payment solutions — Making the process of the managing payments and business easier for health plans and providers so they can focus on what is most important: their members and patients.
- Expertise — Leveraging our experience as the only financial institution owned by a health care company, making us uniquely able to deliver on tech-forward, highly intuitive solutions that move the health care system forward.
By advancing how we save and pay for care, we can pave the way to health care that’s more affordable, accessible and transparent for everyone.
Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. For details and disclosures visit betterment.com. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and disclosures, visit schwab.com. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. For details and disclosures, visit tdameritrade.com.
Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.
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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The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order.
Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply.
The Optum Store is an affiliate of the UnitedHealth Group family of companies.
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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