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Budget and save for qualified expenses through pre-tax FSA contributions

When employees use an FSA, their taxable income is reduced by the amount they contribute, up to annual IRS limits. They can use the account to budget for eligible expenses during the benefit plan year. Funds can be accessed through the Optum Bank card, direct provider pay or reimbursement.

Simplifying benefits management
Manage everything through one hub that streamlines administration, funding and reporting through automation.

Driving healthier outcomes
Lower out-of-pocket costs encourage timely care and help families better manage everyday expenses.
Choose from account types designed to meet employee needs and complement your medical plan:

Health care FSA
Dependent care FSA
Limited purpose FSA

Accurate, fast claims processing
Proprietary claims matching automatically verifies eligible expenses and speeds reimbursements, creating a simple experience for employees and reducing administrative effort for HR.
More than 99% of claims are processed within three days, helping employees access their funds quickly and use their benefits with confidence.*

Optum Financial FSA scorecard*
7% higher average fund utilization than the industry average
10% higher FSA elections than the industry average
9% lower FSA forfeitures than the industry average
99% of claims processed within three days

*Optum Book of Business, 2025