With rising health care costs, individuals and employers are looking for ways to save money while ensuring quality care. Health savings accounts, paired with qualified high-deductible health plans, can help. HSAs put individuals and families in charge of some of their own health care spending and offer tax benefits to both their owners and to employers who choose to contribute to them.

Deposit
Contributions made to an HSA are tax-deductible when used for eligible health expenses. HSAs can be funded by anyone — the account holder, an employer, family members or any other individual.

Grow
The money in an HSA belongs to the account holder, no matter who deposited it. And there’s no "use it or lose it" rule, meaning deposits can earn interest and funds continue to grow over time.

Save
With an HSA, account holders get triple tax savings:

• Deposits are exempt from income tax.
• Savings grow tax-free.
• Money spent on eligible expenses is income tax-free.

Pay
HSA funds can be used to pay for eligible medical expenses for the account holder and his or her spouse and dependents. The linked OptumHealth Bank Health Savings Account MasterCard^® Prepaid Debit Card works just like a credit card, providing an easy way to pay.

Contact us today
If you want to open an HSA, Visit OptumHealth Bank or call a customer service representative at 1-866-234-8913.

If you want to offer HSAs to your employees, call 1-866-427-6804 or email engage@optumhealth.com to reach an employer relations representative.

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. Please check your health benefit plan materials to determine whether your employer will make supplemental contributions to your HSA.