Employers turn to you for customized solutions for health and welfare benefits. They also depend on your thoughtful recommendations for managing costs while providing high-quality service to their employees.

By working with OptumHealth Financial Services, you can offer your clients one source for health care-related financial services — from health accounts to benefits administration. And you can be confident that we won’t let you down: We have a 96 percent client retention rate.

Health accounts
Our health accounts work with employers' medical, dental and vision plans to give them flexibility in benefits design while they keep an eye on costs.

Health savings accounts, when paired with a qualified high-deductible health plan, allow employees to contribute pretax dollars to pay for current medical expenses, save for future medical expenses and grow their retirement savings. Lower premiums for high-deductible plans can benefit employers and employees as well.

Flexible spending and transit accounts give employees the opportunity to reduce their taxable income and put away money for health care, dependent care and commuter expenses. Employers save on payroll taxes, too.

Health reimbursement accounts allow employers to set aside funds that employees and retirees can use to pay for out-of-pocket medical costs. Individuals choose how to spend their health care dollars within their employer's guidelines. Employers can balance their financial risk with their commitments to their employees and retirees.

Benefits administration
Our third-party benefits administration services can be tailored for organizations and companies in the private and public sectors. We can manage logistics and compliance related to open enrollment, COBRA, health account management, retiree billing and more, so that your clients can focus on running their businesses.

Retiree solutions
Your clients need strategies for managing the financial risk of retiree health benefits while attracting and retaining high-performing employees with appealing benefits. Our retiree solutions can help your clients minimize the impact of medical inflation, investment uncertainties and increasing longevity.

Health savings accounts are offered by OptumHealth Bank, Member FDIC, and are subject to eligibility. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state regulations are subject to change.