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The right account for you


Get started with accounts that empower you to make informed, financially responsible decisions for your health and other areas of your life.

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Become a smarter, healthier consumer

Health care costs shouldn’t get in the way of living a healthier life, future financial success or a comfortable retirement. Take control of how you save, spend and invest for health care with accounts that help you pay for and manage health care costs.

Look here for tools and resources designed to help you plan for life’s most important expenses and to use your health account dollars wisely.


A full range of health benefit accounts

Explore the variety of account offerings below and choose the one that’s right for you. The accounts are easy to use and navigate, so they function like any other financial account in your life.


Resource library

Our resource library brings together industry-leading education, tools and resources designed to help you make the most of your health accounts.


HSA resources

HSA tax center

As the tax season approaches, you may be asking yourself what you, as an HSA holder, need to do differently when completing your tax forms.

Learn more


FSA resources

Browse resources for your FSA

Learn more about the different types of flexible spending accounts, how to file a claim, upload a receipt and more.

Learn more about FSAs


Qualified medical expenses

Does your expense qualify?

Filter by account type and expense type to learn about qualified medical expenses.

View qualified medical expenses


Health savings accounts (HSAs) are offered or administered by Optum Bank®, Member FDIC, or ConnectYourCare, LLC, each a subsidiary of Optum Financial. 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/arrangements (FSAs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Adoption Reimbursement Plans, Tuitions Reimbursement Plans, Surrogacy Reimbursement Plans, Lifestyle Plans, COBRA Benefits, and all other account types 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. 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. Federal and state laws and regulations and the design of your plan are subject to change.

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. Certain brokerage services are offered through TD Ameritrade, Inc., member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation.  For details and disclosures, visit  www.tdameritrade.com. The Schwab Health Savings Brokerage Account is offered through Charles Schwab & Co., Inc., member FINRA/SIPC. For details and disclosures, visit schwab.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealers or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

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