Want to stay on the cutting edge of consumer-directed health? Now you can.

Offer your employees the flexibility and freedom they seek to maximize their health care dollars and take control of their health care spending. Health Savings Accounts (HSAs) from OptumHealth Bank offer flexibility and tax advantages for both you and your employees.

Health Savings Accounts: Funds for Today and Tomorrow

HSAs provide a tax-effective way to pay current medical bills or accumulate funds for future needs. They encourage your employees to take an active interest in their health care decisions, driving more efficient use of health care resources. With an HSA, your employees control where and how to spend their HSA dollars when making health care choices for themselves and their families.

OptumHealth Bank HSAs allow members enrolled in qualified consumer-driven health plans to deposit and accumulate funds from year to year to pay for eligible health care expenses (such as medical, dental and prescription drugs) tax-free. The funds are also available to spend on non-health purposes on a taxable basis. HSA funds are deposited in an account at OptumHealth Bank (member FDIC), and funds will earn interest tax-free. Your employees are 100 percent vested in HSA funds as soon as they are deposited.

How are Health Savings Accounts Different?

HSA funds can be:

• Accumulated tax-free for future health expenses
• Supplemented by an employer, based on plan design, by a family member, or by any other individual
• Non-taxable when used to reimburse qualifying health expenses
• Available to spend on non-health purposes on a taxable basis
• Portable if an employee leaves your organization

Why Choose an HSA for Your Employees?

As you make decisions about benefit offerings for your employees, consider an HSA. Health Savings Accounts:

• Encourage consumer engagement and empowerment to make health care choices
• Promote tax-free savings — with interest — for your employees

Contact us to learn exactly how an OptumHealth Bank HSA can benefit your organization.

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