Best Optum Health Savings Apps

247+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

From beginner-friendly picks to power-user tools, our optum health savings list covers 247+ iPhone apps updated through September 2026. Compare ratings, prices, and screenshots in one place.

Compare top Optum Health Savings Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Optum BankOptum BankFree4.7★ (55K)NoNoSep 2026
2Optum FinancialOptum FinancialFree4.7★ (29K)NoNoSep 2026
3OptumOptumFree4.4★ (13K)NoNoSep 2026
4Optum Specialty PharmacyOptum Specialty PharmacyFree4.7★ (6.6K)NoNoSep 2026
5OptumRxOptumRxFree4.7★ (146K)NoNoSep 2026
6Optum EngageOptum EngageFree4.7★ (7.7K)NoNoSep 2026
7Optum PerksOptum PerksFree4.8★ (3.8K)YesNoSep 2026
8AARP Rx Discounts by OptumRx®AARP Rx Discounts by OptumRx®Free4.0★ (3)NoNoAug 2026

Top Picks for Optum Health Savings

Optum Bank#1

Optum Bank by Optum Inc.

Connecting health & finance
Editor's Choice
💰 Finance
4.7😞(55K ratings)
Free
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Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

What We Love

  • 🚀 Convenient and streamlined
  • 👍 Easy to check balance and manage contributions
  • 💡 Allows digital card in Apple Wallet

Room to Improve

  • 🐛 Frequent login issues and app crashes
  • 🔍 Limited functionality compared to website
  • 🤔 Inconsistent user experience between app and website
  • 🤯 Poor technical support and communication
Optum Financial#2

Optum Financial by Optum Inc.

Connecting health and finance
Strong Contender
💰 Finance
4.7😐(29K ratings)
Free
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Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient mobile experience
  • 💳 Ability to pay providers directly
  • 📂 Straightforward claim submission
  • 💰 Helpful for managing medical expenses

Room to Improve

  • 🐛 Buggy document upload and submission
  • 🤔 Lack of explanations for claim rejections
  • 🕰️ Slow processing and response times
  • 🔍 Unintuitive navigation and UI
  • 🤖 Poor customer service and support
Optum#3

Optum by Optum Inc.

Your guide to a healthier you
Worth Considering
💪 Health & Fitness
4.4😞(13K ratings)
Free
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Manage your health journey with personalized support. Find providers, schedule appointments, access your health information, and connect with care professionals for guidance. Securely store your data and maximize your benefits.

What We Love

  • ⚡ Quick test result delivery
  • 👨‍⚕️ Compassionate and attentive healthcare providers
  • 📋 Detailed medical information access
  • 🏥 Well-organized clinic staff
  • 💬 Doctor messaging capability
  • 📱 Colorful and visually appealing interface

Room to Improve

  • 🐛 Persistent authentication loop errors
  • 🔄 Endless loading screens
  • ❌ Internal server errors across multiple features
  • 🚫 Broken MyChart integration
  • ⏱️ Extremely slow app performance
  • 😕 Poor navigation and confusing layout
  • 📵 App crashes frequently
  • 🔐 WiFi proxy connection issues
  • 💬 Unanswered doctor messages
  • 📞 Unreachable customer support
  • 🚫 Inability to schedule appointments
  • 📊 Missing or incomplete medical records
  • 🎯 Inconsistent login functionality
  • 🔗 Broken referral information display
  • ⚠️ Forced third-party login requirements

More Optum Health Savings apps to explore

FAQ about Optum Health Savings

What are the best optum health savings apps for iPhone?
Optum Bank tops our optum health savings apps ranking as of September 2026, with a 4.7-star average from 55K App Store ratings, and it's free to download.
Yes — 20 of the top optum health savings apps we rank are free to download, including Optum Bank and Optum Financial.
Optum Bank has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 247+ optum health savings apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
The Optum Bank app helps you manage your health savings accounts (HSA), flexible spending accounts (FSA), and other health spending accounts. It allows you to track your balances, understand what expenses are eligible, pay for healthcare costs, and submit claims for reimbursement.
Key features include tracking account balances and transactions, identifying eligible health expenses, paying for healthcare costs directly, submitting claims for reimbursement, and storing health care receipts all in one place.