Health saving and spending
Connecting healthy behaviors with healthy financial outcomes
Our consumer-directed health care experience and tax-advantaged accounts encourage individuals, families and employers to connect healthy behaviors with healthy financial outcomes. Our services include tax-advantaged accounts for health care such as the Health Advantage Account Suite, HSAs, HRAs, FSAs and RRAs.
Optum does more than just provide an account. We assist employees in making the transition from basic account holder to long-term health saver. We conducted proprietary research that identified five stages of health savings and spending, each with a variety of goals, mindsets and activities.
5 stages of health savings and spending
Where are your employees in these five stages? Drawing on our research, Optum can identify where they are in this process, and provide information, tools and support to employees based on their individual journeys across these five stages.