Frequently Asked Questions

• Members enrolling in a HDHP can notify their employer of their interest in pre-tax HSA payroll deductions by answering “Yes” to the following HDHP survey question on the SHBP Enrollment Portal:

“Are you interested in opening a Health Savings Account (HSA) through Optum Bank that will be funded through your pre-tax payroll deduction?” 

After selecting “Yes”:

• Members will complete the registration and follow the instructions in the email they will later receive from their employer, explaining how to open an Optum Bank HSA.
• Members may provide their employer with their desired pre-tax contribution, or the employer can request the member’s desired pre-tax contribution.

OR

• Members can contact their employer to request assistance with opening their pre-tax HSA with Optum Bank.
• Members may provide their employer with their desired pre-tax contribution, or the employer can request the members desired pre-tax contribution.

 

Note: Selecting “Yes” to the survey question on the SHBP Enrollment Portal DOES NOT automatically open a Health Savings Account (HSA) through Optum Bank. It simply notifies the member’s employer of their interest in establishing an account, prompting follow-up communications.

• UnitedHealthcare will ensure existing Optum Bank accounts are transitioned to the designated group number and payroll location. These members DO NOT need to open a new account.
• These members will auto populate under your Optum Bank payroll manager portal.
• Members may provide their employer with their desired pre-tax contribution, or the employer can request the member’s desired pre-tax contribution.
• If a member is not changing their elections, they can contact their employer to request assistance in opening an HSA with Optum Bank and begin making pre-tax HSA payroll contributions.

 

Note: Members should consider discontinuing any existing post tax funding through their financial institution to ensure they don’t exceed the annual IRS thresholds.

• Members can notify their employer of their interest in pre-tax HSA payroll deductions by answering “Yes” to the following HDHP survey question on the SHBP Enrollment Portal:

“Are you interested in opening a Health Savings Account (HSA) through Optum Bank that will be funded through your pre-tax payroll deduction?” 

After selecting “Yes”:

• Members will complete the registration and follow the instructions in the email they will later receive from their employer explaining how to open an Optum Bank HSA.
• Members may provide their employer with their desired pre-tax contribution, or the employer can request the member’s desired pre-tax contribution.

OR

• Members can contact their employer to request assistance with opening their pre-tax HSA with Optum Bank.
• Members may provide their employer with their desired pre-tax contribution, or the employer can request the member’s desired pre-tax contribution.
• Once the Optum Bank HSA is active, members can contact Optum Bank at 866-234-8913 for assistance with consolidating HSA funds under their new Optum Bank HSA.

 

Note: Members should consider discontinuing any existing post tax funding through their financial institution to ensure they don’t exceed the annual IRS thresholds.

• Call 866-234-8913
• Click here to learn more about Optum Bank Health Savings Accounts.

•  HDHP HSA Pre-tax Payroll Deduction Resources for Members

• Members may only enroll in a HDHP during Annual Enrollment or upon experiencing a Qualifying Event.

“Are you interested in opening a Health Savings Account (HSA) through Optum Bank that will be funded through your pre-tax payroll deduction?” 

• Members will not be able to make changes to their survey question outside of processing their OE/ROCP election or declaring an election due to experiencing a Qualifying Event. 

• Contact Employer Services Support at 866-988-2006, Monday–Friday, 8:00 AM–8:00 PM Eastern Time, or email [email protected] (allow two business days for a response) for assistance.

• ADP will post the full report of all members that actively enrolled in the HDHP Plan for Plan Year 2026 in the Employer’s “From_ADP/HSA_Report” folder in SHRT.
• The report will have the file name:

      HSA_Survey_Results_PRL#_MMDDYYYY.csv

 

Note: Employers must have access to the Enrollment Portal and SHRT to access this file.

• ADP will include survey responses in the New Report only if the member has answered the question in the Enrollment Portal since the last report was generated.   

If, for example, the member:

1. Works directly with their employer to change whether they want their H.S.A. deduction to be pre-tax, then it will be between the employer and UHC to setup the Optum bank account on behalf of the member;
   1. Works directly with their employer to change whether they want their H.S.A. deduction to be post tax, then it will be between the employer and UHC to stop the contributions from being sent to Optum;
   2. Chooses to have a passive Open Enrollment;
   3. Bypasses the medical election page;

 

then the member will not appear on the New Report.

• The report will be provided monthly on the 2nd of each month – even if it falls on a weekend. The first report will be delivered off-cycle – on 11/14 – to coincide with the AE payroll files being delivered.
• The report will have the file name:

      HSA_Survey_Results_PRL#_MMDDYYYY.csv

• Monthly reports are maintained online for 90 days.