Health saving and spending

Connecting healthy behaviors with healthy financial outcomes

Our consumer-directed health care experience and tax-advantaged accounts encourage individuals, families and employers to connect healthy behaviors with healthy financial outcomes. Our services include tax-advantaged accounts for health care such as the Health Advantage Account Suite, HSAs, HRAs, FSAs and RRAs.

Optum does more than just provide an account. We assist employees in making the transition from basic account holder to long-term health saver. We conducted proprietary research that identified five stages of health savings and spending, each with a variety of goals, mindsets and activities.

5 stages of health savings and spending


Where are your employees in these five stages? Drawing on our research, Optum can identify where they are in this process, and provide information, tools and support to employees based on their individual journeys across these five stages.


Health Advantage Account Suite

Offer the right accounts and the right solutions

HSA, HRA, FSA, RRA — there are multiple health care account options designed to make health care more affordable for employees. How can you seamlessly manage these accounts as your benefit offerings adapt and change?

Health savings account

Pay and save for health care tax-free

An Optum health savings account (HSA) provides employees with a tax-advantaged way to save and pay for qualified health care expenses now and into retirement — all while lowering your administrative overhead.

Health reimbursement arrangement

Manage costs while calling the shots

A health reimbursement arrangement (HRA) allows you to reimburse employees for expenses not paid for by insurance, such as deductibles and coinsurance. You decide what eligible medical expenses are covered and how much the business contributes.


Flexible spending arrangement

Employees save on federal, state and FICA tax, employers on FICA

A flexible spending arrangement (FSA) is a tax-advantaged account that can be used toward qualified health care or dependent care expenses. Employees save on federal, state and FICA taxes while you save on payroll taxes.


Retiree reimbursement arrangement

Provide a valued benefit to retirees on your financial terms

A retiree reimbursement arrangement (RRA) helps pay for health care costs in retirement, including health plan premiums. Available to public and private sector employers, RRAs allow you to sustain a valued benefit on your financial terms.

We’re ready to put our solutions to work for you. Let’s start the conversation.
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