FAQs

In addition to being a current member of AARP, you must also have a qualifying high-deductible health plan that meets IRS guidelines. Learn more about HSA eligibility.

The AARP Health Savings account offered by Optum Bank features a 20 percent discount on monthly maintenance fees (monthly maintenance fees are waived if you are over age 65). Additionally, when using your debit card at Walgreens, you will receive a 3 percent discount on most purchases* and a digital receipt will automatically be uploaded to your Optum Bank portal. 

*Exceptions include: Alcohol, dairy, tobacco, stamps, phone/prepaid/gift cards, money orders/transfers, transportation passes, lottery tickets, charitable donations, pseudoephedrine or ephedrine products, clinic services, prescriptions, sales tax, shipping, or membership fees for any prescription savings programs. 

Yes. Use the following links if you are having trouble remembering your username or password, or need to register for our site:

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You do not have to close your account, and you can continue using the money in your HSA even in retirement. If you no longer have a qualifying high-deductible health plan, you can’t make additional contributions.

Click here to read our HSAs and Medicare FAQ.

You can sign in to your account to set up one-time or recurring deposits. You can mail in a check. Or, if available from your employer, you can set up payroll deductions from every check.

If you’ve just opened an AARP HSA, offered by Optum Bank, follow our New Account Holder Checklist to get off to a good start.

The IRS sets guidelines for how much you can contribute to an HSA each year. 

2019 limits:

• An individual can contribute up to $3,500 for the year.
• An individual with family coverage can contribute up $7,000 for the year.

Don't forget: The federal income tax filing deadline and payment deadline has been extended from April 15, 2020 to July 15, 2020 (IRS Notice IR-2020-58).  As a result, the amount of time that individuals have to make 2019 health savings account (HSA) contributions has also been extended to July 15.  Click here to learn more.

If you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

Sign in to your account today and check your contribution limit. 

The IRS sets guidelines for how much you can contribute to an HSA each year. 

2020 limits:

• An individual can contribute up to $3,550 (increase of $50 from 2019) for the year.
• An individual with family coverage can contribute up to $7,100 (increase of $100 from 2019) for the year.

If you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

Sign in to your account today and check your contribution limit. 

The IRS sets guidelines for how much you can contribute to an HSA each year. 

2021 limits:

• An individual can contribute up to $3,600 (increase of $50 from 2020) for the year.
• An individual with family coverage can contribute up to $7,200 (increase of $100 from 2020) for the year.

If you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

Sign in to your account today and check your contribution limit. 

Find out whether your expense is qualified by checking out this list. 

You can use your Optum Bank Health Savings Debit Mastercard® on the spot or after you receive a bill. You can pay bills online or using the Optum Bank mobile app. Or you can reimburse yourself for a payment you’ve made.

Click here to read our investment FAQ.

Adding a prepaid purse or linking a personal bank account to your debit card allows you to ensure non-qualified purchases are still covered when using your card to pay at Walgreens. It takes the guess work out of the transaction as it will pull the funds from the right account. 

Additionally, it allows you to maximize savings when shopping at Walgreens by allowing you to earn a 3 percent discount even on purchases that are not qualified medical expenses.

You can add a prepaid purse or link an external account to your debit card by logging into Optum Bank at myaarphsa.com. Once logged in select “Manage Optum Wallet” from the dashboard. Once on the Optum Wallet page you can select “Manage Accounts.” Once on the Manage Accounts page you can select to add a prepaid purse or link an external bank account. 

To order additional cards for your spouse and eligible dependents, sign in to your account. In the “I want to” section, click “Manage debit cards.”

If you’re a new account holder, you’ll be able to choose a PIN when you first activate your debit card. If you’ve forgotten your PIN or need to change it, call the customer service phone number on the back of your debit card.

You can get copies of your most recent tax forms by signing in to your account and viewing the "Statements and Docs" section. 

Call 1-844-458-6738 to cancel your account.