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Help employees make informed benefit choices

We’ve packed this page with all kinds of helpful resources. Use them to help your employees understand  their financial health benefit accounts during open enrollment and throughout the year.

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New to open enrollment? Start here.

Our employer open enrollment guide is designed to help make the open enrollment process easier for you, the employer. It includes guidance on open enrollment steps, employee communications and more.

Download employer guide

 

Frequently used resources

We offer educational resources for all types of health benefit accounts. Share them with employees to help inform their decision making.

Quick guide: HSA

Learn about key features and benefits of a health savings account (HSA).

Download HSA guide

Quick guide: FSA

This guide outlines how flexible spending accounts (FSAs) help employees save on health care costs.

Download FSA guide

Qualified medical expense tool

Employees can use this tool to search for eligible health expenses.

See expense tool

All resources

Share these resources with employees if your company offers HSAs:

Download top resources

Download all resources

Share these resources with employees if your company offers FSAs:

Download all resources

Share these resources with employees if your company offers DCFSAs:

Share these resources with employees if your company offers HRAs:

  • FAQ: HRA - See the questions employees frequently ask about HRAs.

  • Quick guide: HRA - This guide provides an overview of an HRA and its benefits for employees.

  • What can an HRA do for me? - This video explains what health reimbursement arrangements (HRAs) are and how they work.

 

Download all resources

Share this resource with employees if your company offers LPFSAs:

Share these resources with employees if your company offers commuter benefits:

Download all resources

HSA resources

  • FAQ: HSA - See the questions employees most frequently ask about HSAs.

 

FSA resources

 

DCFSA resources

 

LPFSA resources

 

HRA resources

  • FAQ: HRA - See the questions employees frequently ask about HRAs.

  • Quick guide: HRA - This guide provides an overview of an HRA and its benefits for employees.

 

Commuter resources

 

Meeting resources for employers

  • Financial HBA overview - Share this financial benefit accounts overview after going through the open enrollment presentation with employees.

Download all resources

The following tools help employees estimate costs and/or see how they can save on expenses and taxes:

  • Open enrollment guide - This guide for employers offers helpful information on open enrollment steps, employee communications and more.  
  • Financial HBA overview - Share this financial benefit accounts overview after going through the open enrollment presentation with employees.  

Download all resources

We're here to help

If you’re an employer, broker or consultant and need support, please contact your Optum Financial account team representative.

Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. For details and disclosures visit betterment.com. Schwab Health Savings Brokerage Accounts are offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers. See the Charles Schwab Pricing Guide for Health Savings Accounts for full fee and commission schedules. For details and disclosures, visit schwab.com. Please consult your financial planner for more information on investments.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial, Inc. and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Health savings accounts (HSAs) are individual accounts administered by Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State and/or local taxes may still apply. Fees may reduce earnings on account. Refer to your HSA account agreement for details.

Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC and are subject to eligibility and restrictions. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured.

This communication is not intended as legal or tax advice. Consult a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.

Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.

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