Q4 is the make-or-break season for retailers, with a staggering nearly 30% of annual retail sales occurring in the final quarter of the year—meaning the next few months could account for a huge chunk of your yearly revenue! Here you'll find our best tips to maximize potential revenue

The open enrollment period for Health Savings Accounts (HSAs) starts around November, and allows customers to invest tax-free funds for the upcoming year. Highlighting eligible products can attract consumers looking to take control of their health in 2025 and spend on your products/services.

A key opportunity for Q4 HSA/FSA marketing is the expiration of Flexible Spending Accounts (FSAs). Many consumers have unused FSA funds that will expire at the end of the year, creating urgency for them to spend.

Q4 is marked by heightened consumer activity, as shoppers seek gifts and focus on personal health as the new year approaches. This is the perfect moment to engage customers looking for products that align with their health resolutions.

Did you know that $4.5 billion in FSA funds go unspent every year, with many members scrambling to use their balance in December? If they don’t spend it by December 31, it’s gone! 

This is your chance to save your customers from reluctantly spending it all on $3,000 worth of Advil and contact solution. Help them make the most of their FSA funds by promoting the Truemed payment option.

Add a "Use It or Lose It" message to your email campaigns, reminding customers that FSA funds must be spent by the end of the year. 

Sample subject lines: 

• Use it or Lose it: Spend your FSA with [Merchant Name] and save up to 30% before it's gone!

• This season, give yourself a gift! Buy [Product Name] with your FSA before your funds expire.

• If you don’t use your FSA funds this month they expire. Buy [Product Name] today

Sample body text:

Time is running out to use your Flexible Spending Account (FSA) funds before they expire! We’ve partnered with Truemed to make it easy for you to spend your remaining FSA balance on products that can help improve your health, like [Product]. Plus, you'll save up to 30% on your purchase by using pre-tax dollars.

Truemed makes it easy. Just follow these simple steps:

1. Take a 2 minute evaluation survey from Truemed that will be reviewed by a licensed practitioner for $20. 

2. If eligible, Truemed's licensed practitioners will issue you a Letter of Medical Necessity (similar to a doctor writing a prescription). The letter can cover 12 months of reimbursements!

3. Truemed will send you instructions to obtain reimbursement from your HSA/FSA administrators. 

Find out if you qualify [Button with your qualification survey link] 

Note from Truemed: If a customer has difficulty submitting a claim for reimbursement, please have them reach out to support@truemed.com and our team will be ready to provide the information that their HSA/FSA administrator is requesting. In the event that Truemed is unable to assist in overturning a claim, the Truemed fee will be refunded.

Truemed is on a mission to make true medicine affordable. You can learn more about them here.

Target ads to customers who may have FSA funds left to spend and remind them they can use their account to purchase from you.

Sample Social Advertising Copy:

• Use your FSA funds before they expire

• Don’t Let Your FSA Funds Go to Waste! Save Up to 30% at [Merchant Name]

• Give Yourself the Gift You Deserve! Use Your FSA to Buy [Product Name] Before Time Runs Out

• Hurry! FSA Funds Expire Soon—Shop [Product Name] Today!

• Still got money in your FSA you need to spend?

Place a prominent banner on your homepage, making it easy for visitors to see they can use FSA funds for purchases. This will grab the attention of customers looking to make the most of their benefits before the year ends.

Sample Banner Copy:

• Don’t Let Your FSA Funds Go to Waste! Select "Truemed" at checkout to save up to 30%

• Hurry! FSA Funds Expire Soon—Shop [Product Name] Today!