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An HSA built for how your people actually use it

Health and financial futures are now intertwined. Managing health care isn't just about getting coverage, it’s also about protecting your future. Optum Financial provides tools that make it easier to spend wisely, save when possible and invest when it makes sense. Whether it’s a routine visit or a surprise expense, our HSA is designed to help make the most of every health care dollar.

Empowering confident, engaged employees
Help employees spend, save and invest their HSAs with a single portal, personalized guidance and clear education.

Simplifying benefits management
Optum Client Link™ gives employers a single, real-time command center that streamlines admin and reporting.

Driving healthier outcomes
When employees can afford care, they’re more likely to get it. Our HSA helps manage health costs today and plan for tomorrow.

Personalized and relevant member communications
We help account holders use their benefits with confidence — whether they're spending, saving or investing. Communications are tailored to each employee’s unique journey, from opening an account to investing funds to nearing their contribution limit.

Activity-triggered notifications
Personalized, informative content
Complementary seasonal marketing

A unified HSA experience for your employees
The Optum Bank app and payment card work together to give employees a seamless way to pay for qualified expenses. With smart planning tools, real-time account management and secure payment options, employees can confidently make the most of their HSA.

Investment options to fit every employee
Our HSA makes it easy to pay for eligible medical expenses and has robust investment options for those saving for the future.

Professionally managed portfolios
Mutual funds
Self-directed brokerage