Our vision: to transform how health care is financed and paid for.
We’re a highly-connected, health care payments ecosystem designed to reduce friction and increase accessibility.
Join us in paying health forward.
Our vision: to transform how health care is financed and paid for.
We’re a highly-connected, health care payments ecosystem designed to reduce friction and increase accessibility.
Join us in paying health forward.
Flexible account-based programs, delivered by a partner who understands both health and human nature.
We’ve reimagined benefits from the ground up: a complete suite of workplace benefits, one digital-first employee experience, one trusted partner.
At Optum Financial, we deliver benefits that matter. Our products and programs empower employees to become better consumers of health care — while helping you streamline costs and time. Together, we can maximize your contribution in the wellbeing of your people and your organization’s success.
With health care growing more expensive and complex, we know it's challenging to support the health of your employees. We partner with you to leverage insights, reduce costs for everyone, drive benefit utilization and support better health outcomes.
Health savings accounts (HSAs)
Empower your employees to save, spend and invest tax-free on eligible health expenses, supporting both their short-term needs and long-term financial wellbeing.
Flexible spending accounts (FSAs)
Help your employees save on out-of-pocket costs for health and dependent care by using pretax dollars, offering upfront savings on everyday essentials.
COBRA administration
Provide continued health coverage for employees and their families after a job change or qualifying event, ensuring compliance while supporting a smooth transition.
Health reimbursement arrangements (HRAs)
Offset employees’ medical costs with employer funded accounts that reimburse eligible expenses, tax-free.
Commuter benefits
Support your teams’ commute with flexible pre-tax options – whether through a convenient order-ahead model or reimbursement for eligible transit and parking expenses.
Lifestyle spending accounts (LSAs)
Promote employee well-being with a flexible account that covers lifestyle expenses, from physical and mental health to financial and family wellness, all tailored to your culture.
The Optum Financial approach
Our health benefit accounts are administered by Optum Bank, an FDIC-insured institution, ensuring a more secure and streamlined employee experience. With deep roots in health care, we approach benefits with an employee’s whole health in mind. Extensive experience and expertise are what set us apart: We take a consultative approach to benefits and tailor our solutions to address your employees’ most pressing needs. Your employees will be supported with intuitive experiences, educational resources, and tailored communications to increase their confidence and enable them to get the most out of their benefit package. We provide a best-in-class benefit experience with benefits that:
Are easy to implement, manage, and use
Our modern approach saves your teams time, unlocks actionable insights, and makes benefits easier to understand and navigate.
Meet people where they are
Through our personalized support and educational tools, we help your employees become better consumers of health care — reducing costs for all.
Make a difference
Our comprehensive suite of employer financial solutions is designed to simplify the complexities of benefits and provide real value to employees.