Save on qualified medical expenses
Health savings accounts (HSAs)
Your HSA is ready when you need it. Whether it’s prescription refills today or health costs down the road, you’re saving smart with an HSA.
Save on medical and dependent care expenses
Flexible spending accounts (FSAs)
Your FSA allows you to use pretax funds for health and care costs for you and your family. You save on every dollar you put into your FSA.
Help offset costs for eligible expenses
Health reimbursement arrangements (HRAs)
An HRA is an employer-funded account for health care expenses.
Heading into work?
Commuter and parking benefits
Save on the cost of commuting to work by paying with pretax money.
Improve your work-life balance
Lifestyle spending accounts
Employer-funded assistance for expenses can help improve your work-life balance.
Helpful links
Use your health account dollars wisely
Use our tools to help you save, pay and invest for your health care from now into retirement.
HSA calculator
Find contribution details and how savings may grow over time.
Retirement checkup
Estimate your health care costs during retirement so you can be prepared.
Qualified expenses
Use our qualified medical expense search tool to find out what expenses qualify.
FSA calculator
See how much you can save on eligible health and day care expenses.
HSA-FSA card: Pay the smarter way
Learn more about the convenient way to pay for qualified expenses.
Boost your HSA balance
Take full advantage of your HSA tax benefits by contributing the maximum.
Commuter benefits overview
Learn how you could save thousands of dollars — or more — with pretax funds.
Use your HSA/FSA dollars
Optum Now — your destination for eligible products
Optum Now makes it easy to find what products are eligible.
Check out using your HSA or FSA card and skip the paperwork, plus, you save up to 30%* because you’re using pre-tax dollars.
Use code OPTFSA7 with your FSA to receive a 7% discount.
Use code OPTHSA5 with your HSA to receive a 5% discount.
We're here to help
Whether you’ve just opened your account or you’re preparing to retire, our resources make it easy to save, pay and invest in your future.
Video
HSA-FSA card: Pay the smarter way
Watch this video to learn more about the smart and convenient way to pay for everyday health items.
Article
Start saving today by boosting your HSA balance
Video
Explore investment options to help meet your financial goals
Article
Get tips for spending your FSA dollars
Use your health account dollars
Save money by using your health account dollars on qualified medical expenses.
Optum Now
Shop eligible products
Optum Now makes it easy to find eligible expenses. Shop using your HSA or FSA card to save 30%* since you’re using pretax dollars.
Eligible expenses
What can I buy?
Does your expense qualify? Use our qualified expense search tool to find out what expenses you can spend your HSA and FSA dollars on.
*Savings compares using pre-tax income in your health benefit account (HSA, FSA) to using after tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state, and FICA taxes. Results and amount will vary depending on your circumstances.