Calculate your health savings
See how your health accounts can impact your wallet. Use our tools and resources to calculate how to save and pay for qualified expenses.
Health savings account
Annual HSA contribution calculator
Calculate your tax savings, yearly contribution amounts and the potential future value of your HSA.
Health savings account
Retirement health savings checkup tool
Receive a personalized snapshot of your potential health care expenses in retirement. Get your estimate today so you can be prepared.
Flexible spending accounts
FSA savings calculator
See how an FSA can help your budget by saving on eligible health and day care expenses.
Commuter benefits can add up to some serious tax savings. See how much you could save.
Using your health account dollars
Qualified medical expense tool
Does your expense qualify? Use our qualified medical expense search tool to find out what qualifies.
Spend your HSA and FSA dollars
Shop for eligible products at the Optum Store. Use your payment card for easy checkout.*
HSA asset allocation calculator
Find the mutual fund asset classes that best match your objectives and risk tolerance.
Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.
This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.
*The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order. Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply. The Optum Store is an affiliate of the UnitedHealth Group family of companies.
Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.
Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.