OptumHealth Financial Services | Employers HSA Product Choices

Now OptumHealth Financial Services brings you new ways
to make good health more affordable for everyone.

Health Savings Account (HSA) owners have a choice of account types to meet their savings and spending patterns*. All account options are administered by OptumHealth Bank, Member FDIC, and include:

OptumHealth eAccess^SM HSA – Best for active health care spenders. Lowest fees for those who carry a small HSA balance.

OptumHealth eSaver^SM HSA – Easy access to pay current expenses. Includes competitive interest rates, moderate fees, and the option to invest balances with no additional fee.

OptumHealth eInvestor^SM HSA – A smart choice for those with little need to spend on health care now and who plan to grow their HSA balances. Offers a lower investment threshold.

Account holders may switch, at no cost, to another account type at any time*. A few months after your account is opened, we'll send you a simple questionnaire to help you decide if another account may better meet your HSA spending or savings patterns.

*These options are included in the standard HSA program. Some plans we offer for partners may vary.

More Choice. More Flexibility. A Personalized Experience.

Compare our accounts:

The pricing below is for our standard HSA program. Some plans we offer for partners may vary.

HSA Account Options	OptumHealth eAccess HSA	OptumHealth eSaver HSA	OptumHealth eInvestor HSA
Monthly Maintenance Fee¹Note: Required minimum balances do not include investment funds	$0 if balance exceeds $500 $1 if balance is $100 - $499.99 $4 if balance is below $100	$0 if balance exceeds $5,000 $3 if balance is $100 - $4,999.99 $6 if balance is below $100	$0 if balance exceeds $5,000 $3 if balance is $100 - $4,999.99 $6 if balance is below $100
Balance Required to Obtain APY	Annual Percentage Yield (APY) ²	Annual Percentage Yield (APY) ²	Annual Percentage Yield (APY) ²
$15,000 + $5,000 - $14,999.99 $2,000 - $4,999.99 $1,000 - $1,999.99 $500 - $999.99 $0 - $499.99	0.00% 0.00% 0.00% 0.00% 0.00% 0.00%	4.00% 2.58% 2.07% 1.51% 0.10% 0.10%	4.00% 2.58% 2.07% 1.51% 0.10% 0.10%

Investment Options	OptumHealth eAccess HSA	OptumHealth eSaver HSA	OptumHealth eInvestor HSA
Investment Threshold³ Minimum Balance Requirement	$2,000	$2,000	$500
Monthly Investment Fee⁴	$3	$0	$2.50
Investments are not FDIC-insured, are not guaranteed, and may lose value.

¹ ACCOUNTS WITH A BALANCE BELOW $100. A portion of the Monthly Maintenance Fee ($3.00) applicable to balances below $100 will be reimbursed to the HSA for the first 3 months after account funding. All reimbursement amounts will be reflected on the monthly statement following the month in which the fee occurred. Fees may reduce earnings on the account.
² Annual Percentage Yields (APYs) as of 2/4/2008, subject to change at any time. Required balance to obtain APY does not include investment balances.
³ The bank account balance must remain at or exceed the Investment Threshold each time a new investment is made.
⁴ Investment Fee (where applicable) is only assessed after the establishment of an investment.

Investments are not FDIC-insured, are not guaranteed by OptumHealth Bank, and may lose value