HSAs allow you to save for health expenses that you’re expecting, like prescriptions — as well as the unexpected ones life brings your way.
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An HSA is a tax-advantaged account that helps you pay for qualified medical expenses. The funds are yours to spend forever — even if you retire, change jobs or change health plans.
An HSA provides triple tax savings — contributions are not taxed, account growth through interest and investment earnings are not taxed, and withdrawals for qualified medical expenses are income tax free. It’s a win-win to save on health costs today, tomorrow and even through retirement.
Your HSA card is a fast and convenient way to pay for qualified expenses while skipping the paperwork. From trips to the doctor to everyday care like cold medicine and first aid kits, simply pay using your HSA card and you're all set. Plus, you'll save up to 30% because you're using pretax dollars.*
Go you. By opening an HSA, you've taken the first step to take charge of health costs. Learn more about how to make the most of your HSA.
Are you taking full advantage of all of your HSA's tax benefits by contributing the maximum each year? Check your contribution amount today.
Using your HSA card is the fast and convenient way to pay for your health expenses, from braces to bandages, and chiropractors to contacts.
Your HSA is a tax-advantaged account that can help you pay for qualified medical expenses for you and anyone you claim on your taxes.
Once your HSA reaches a certain designated balance, you can accelerate your financial wellness by choosing to invest a portion of your HSA.
Use your HSA card at Optum Now to shop HSA-eligible items all in one place.
Plus you save up to 30%* since you’re using pretax dollars. Get an extra 5% off with code OPTHSA5 to save even more.*
Contributing to your HSA is hassle free and tax free. Plus, it's always on your terms, giving you a health expense cushion when you need it.
Use your HSA dollars
Does your expense qualify? Use our search tool below to find out what expenses you can spend your HSA dollars on.
Browse additional solutions to help you better understand your HSA.
Investing part of your HSA balance makes your money work even harder — potentially growing tax free for future health expenses.
An HSA isn’t just to pay for medical expenses — it is a long-term savings tool that can help you meet your retirement goals.
Already have a HSA with another provider? Save time by combining your HSA funds into one account with Optum Financial.
It’s easy to find qualified products at your favorite retailers. Use your HSA card for extra convenience and save 30%.
Learn more about the convenient way to pay for qualified expenses.
Take full advantage of your HSA tax benefits by contributing the maximum.
Changing HSA administrators doesn’t have to be chaotic. Our implementation specialists will help make the process seamless.
ConnectYourCare, now part of Optum Financial, has earned the distinction to serve as an IRS-designated non-bank trustee.
I just opened my account. How do I start using my HSA?
If you’ve just opened an HSA, browse our new account holder checklist to get off to a good start.
You can also visit our resource library for videos and other educational materials to help you make the most of your HSA.
What can I pay for with my HSA?
It’s easy to find qualified HSA and FSA products at your favorite retailers. Find out whether your expense is qualified by checking out the qualified medical expense tool. Pay with your HSA card every time for faster payouts and less paperwork, plus, you save up to 30%* because you’re using pre-tax dollars.
How do I contribute to my HSA?
There are three ways to make a contribution to your HSA.
Set up recurring contributions
Sign in to your account to set up recurring contributions to ensure you’re contributing the maximum allowed by the IRS each year.
Make a one-time contribution
If you haven’t contributed the maximum allowed by the IRS, you can make a one-time contribution to your account at any time.
Employer payroll deductions
Some employers offer payroll deductions. You should check with your employer to see if payroll deduction contributions are available to you.
How much can I deposit into my HSA?
The IRS sets guidelines for how much you can contribute to an HSA each year. To learn more about the annual HSA contribution limits, visit our HSA contribution limits page.
Sign in to your account today and check your contribution limit.
Do I have to close my HSA if I switch jobs?
No. You can keep your account, and the money in it remains yours, no matter what, even if you change jobs or move off a qualifying high-deductible health plan.
Do I lose my HSA eligibility at age 65?
No. You can open and contribute to an HSA at age 65 or later as long as you meet HSA eligibility requirements, which are:
What are my investment choices?
You currently have diverse investment options in your HSA, including self-directed mutual funds and digitally managed investments from Betterment. You can choose to invest based on how experienced you are and how involved you want to be in selecting your investments.
I want help investing and don’t want to spend a lot of time managing my portfolio. Can I get help investing?
You may choose to have Betterment manage your investment funds. Betterment is an independent online investment advisor and combines low-cost, tax-efficient investment strategies with technology and personalized advice to help you pursue your financial goals.
Once you answer a few brief questions about your investment goals and priorities, Betterment will build a personalized portfolio of exchange-traded funds (ETFs) with investment mixes and risk levels that are suitable for you.
I have some investment experience and prefer mutual funds. Can I choose my own investments?
You may choose from among a number of pre-selected mutual funds from nationally recognized fund families. These have been selected to offer a broad and diverse range of investment objectives, with high Morningstar ratings and some of the lowest expense ratios in the industry.
