Save on taxes: deposit, grow and spend money tax-free.
Learn more about how to save on taxes with your HSA.
Your HSA is yours — ALWAYS — even if you change jobs or retire.
Learn more about how to maximize your HSA savings.
After you reach $1,000, you can choose to invest.
Learn more about investing your HSA dollars.

Schedule your contributions
You can make post-tax contributions to your account by signing into your account and selecting Make an HSA contribution from the Contributions menu.
You must monitor your contributions to ensure they do not exceed the annual contribution limit per IRS regulations.
Additional ways to contribute
Outside of scheduled payroll contributions, your HSA can be funded as follows:
Direct contribution through Optum Bank
You can send a contribution check to Optum Bank. To send a contribution check, you will need to fill out the Contribution/Deposit Form.
Roll over
You can transfer funds from or roll over to another health savings account (HSA). Sign in to your account and download the HSA Rollover/Transfer Request for more information. Liberty contributions and those you may outside of payroll (excluding roll overs) count toward the IRS annual contribution maximum. It is your responsibility to monitor your contributions to ensure they do not exceed the annual contribution limit per IRS regulations.
Deposit timing
If you have payroll contributions, the timing will be determined by your payroll calendar. Generally, your funds are available within one business day of deposit. Sign in to your account to check your balance.
Contribution limits
Contributing the maximum allowed by law each year lets you get the most tax savings. Be sure to keep these contribution limits set by the IRS in mind.
Your journey in health saving and spending
Whether you just opened an HSA or you’ve been contributing for years, you likely have questions. We all do. And how you use your HSA will likely change over time.
Most of us go through 5 phases in our HSA journey as we save and pay for qualified medical expenses. Explore where you are in the journey in this video.
Here’s a quick summary:
How to use an HSA
- Decide: I’m thinking about opening an HSA.
- Open: I have opened an HSA but haven’t used it much.
- Use: I’m not sure how much to contribute.
- Manage: I want tips for managing my HSA and potentially for investing.
- Optimize: I’m turning my HSA into an investment and maximizing it.
Download the Optum Bank Mobile App today to find out where you are in your HSA journey.
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