Introduction 49 2021 Sustainability Report A Modern, High-Performing Health System Our People and Culture Environmental Health Responsible Business Practices Performance Data Simplifying health care payments Improving the health financial services sector by streamlining payments for providers, payers and consumers is fundamental to reducing friction in the health system. By focusing on health financial services, we are working to improve health and financial well-being, transforming how people and organizations save, spend, invest and pay for health care. Optum Financial supports consumers with more than 8 million health savings accounts and has relationships with more than 2 million care providers. With out-of-pocket health care expenses expected to reach nearly $480 billion by 2024, our capabilities are designed to help consumers pay for care with health savings and spending accounts, advanced financial education tools and consumer engagement and payment services, and self-service tools that make it easier to manage and save money. UnitedHealthcare’s Care Cash, a reloadable debit card, helps guide consumers to eligible care, including virtual visits, physicians that meet quality and cost-efficiency standards, and primary and urgent care.