Marketplace

Support your employees with a better benefits experience

Optum Financial helps employers deliver health benefit accounts that are easier to manage, more intuitive to use and better aligned to how people engage with their health. With a unified platform, flexible spending tools and built-in support across every step of the journey, we reduce complexity for HR teams while helping employees make confident, informed decisions.
Get what your organization needs with the most flexible plan
Your organization designs the HRA to complement your health plan. Your employees get easy access to employer-provided funds for eligible expenses.

How it works:

Determine the contribution amount
Choose the eligible expenses
Consider health incentives
Establish other details
Mobile app and Optum Bank payment card
Our mobile app works hand in hand with our payment card, giving employees the convenience of on-the-go account management. With the app, they can easily snap photos of receipts and submit purchase documentation directly — no extra steps required.

Employees can check balances, reimburse themselves and set up automatic payments: all within a clean, user-friendly interface designed for simplicity and speed.

Accurate and fast claims processing

Our claims processing approach is optimized to resolve if an expense is HRA[1]eligible without any employee interaction, whenever possible.

• We leverage a rules-based adjudication engine to review health plan claims file feeds: supporting accuracy, efficiency and scalable compliance that reduces the substantiation burden on employees.
• Our system automates validation of card-based payments and reimbursement requests, and 99% of claims are processed within three days.*

*Optum Book of Business, 2025