BFCM Email Templates: Stack HSA/FSA Savings with Your Holiday Campaigns
Black Friday & Cyber Monday are some of your biggest revenue opportunities of the year—and they’re also some of the best times for eligible customers to use their Health Savings Account (HSA) or Flexible Spending Account (FSA) funds, as eligible customers are able to enjoy their best savings possible when stacking their pre-tax HSA/FSA dollars on your year-end sales.
Promoting HSA/FSA payment during BFCM:
Helps customers maximize their pre-tax dollars (30% average savings)
Encourages higher AOV by positioning your product as a smart investment in health
Drives urgency to shop while sales and benefits overlap
Below are 7 ready-to-use email templates you can plug into your BFCM campaigns, including both one-time purchase and subscription purchase versions when the checkout flow differs.
TL;DR – 3 Things to Add to Your BFCM Emails for HSA/FSA Revenue:
Promote Stackable Savings: Highlight that eligible customers can combine your BFCM promo with an average of 30% in additional savings using HSA/FSA funds.
Explain How It Works: Add a quick blurb or link showing how customers can check out or get reimbursed with HSA/FSA.
Use Strong CTAs: Drive action with clear calls-to-action like “Shop & Save with HSA/FSA” or “Use Pre-Tax Dollars.
Designed Email Templates
Email Templates (Copy Only)
Email 1 – Stack Your Savings
Subject Line:
[Insert Your Promo] + HSA/FSA Savings = Your Smartest Spend
Header:
Double down on savings this Black Friday
Body Copy:
Our [Insert Your Promo] is live—and if you have an HSA/FSA you may be eligible to stack that deal with pre-tax savings.
Truemed makes it simple for qualified customers to pay with HSA/FSA funds and save an average of 30%*.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
CTA: [Shop & Stack Savings]
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. To see your estimated savings, check out the TrueSavings Estimator.
Email 2 – Pre-tax + Discounted!
Subject Line:
Save even more with HSA/FSA + [Insert Your Promo]
Header:
Two ways to save. One smart purchase.
Body Copy:
This Black Friday, eligible customers can save on two fronts:
✅ Our [Insert Your Promo]
✅ 30%* savings on average when you pay with HSA/FSA funds
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
Use Truemed at checkout to pay with pre-tax dollars.
CTA: [Shop Eligible Products]
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. To see your estimated savings, check out the TrueSavings Estimator.
Email 3 – Healthier Black Friday
Subject Line:
Your healthiest Black Friday yet starts here
Header:
Spend smarter with stacked savings
Body:
Use this Black Friday to invest in your health. Our sale is live—and if you're eligible to use HSA/FSA funds, you could save an additional 30% on average*.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
CTA:
[Shop Eligible Products Now]
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. To see your estimated savings, check out the TrueSavings Estimator.
Email 4 – Don’t Leave Money on the Table
Subject Line:
Don’t leave money on the table this Black Friday
Header:
Eligible customers save an average of 30% on top of Black Friday deals
Body:
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
Once approved, you’ll not only benefit from our Black Friday discounts but also enjoy additional savings of 30% on average* by using your HSA/FSA funds!
CTA:
[Shop Eligible Products →]
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. To see your estimated savings, check out the TrueSavings Estimator.
Email 5 – Stack & Save With HSA/FSA
Header:
Black Friday: [Insert Your Promo]
Save even more when you pay with HSA/FSA funds
Hero Text:
INVEST IN YOUR HEALTH—AND SAVE WHILE YOU’RE AT IT
[Insert Your Product/Service] is eligible for payment with HSA/FSA funds for qualified customers.
Subheader:
Save 30%* on Average When You Pay with HSA/FSA
Body:
Use your pre-tax dollars to shop [Insert Product/Brand] and stack your Black Friday savings. Truemed makes it easy for qualified customers to pay with HSA/FSA funds.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
Once approved, you’ll not only benefit from our Black Friday discounts but also enjoy additional savings of 30% on average by using your HSA/FSA funds!
CTA Button:
[Start Saving
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. To see your estimated savings, check out the TrueSavings Estimator.
How it Works – One Time Purchases
Here’s How You Can Maximize Your Savings:
1. Shop Our Black Friday Deals:
Browse our site and add your favorite discounted products to your cart. At checkout, choose Truemed as your payment option.
2. Complete Health Assessment:
Take a private health survey. A licensed provider will review your answers to determine eligibility.
3. Make Your Purchase:
Pay with your HSA/FSA card or a regular credit card. If you use a regular credit card, follow the guide provided with your LMN to submit your purchase for reimbursement.
How It Works – Subscription Purchases
Here’s How You Can Maximize Your Savings:
1. Make your purchase:
Browse our selection and add your go-to products or new finds to your cart. Do not pay with an HSA/FSA card during checkout. After your purchase, check your confirmation screen or receipt email for a link to the Truemed survey.
2. Complete health assessment:
Take a private health survey that you can find in your order confirmation. A licensed provider will review your answers to determine eligibility. If eligible, you'll receive a Letter of Medical Necessity (LMN) within 12 hours. Note: The survey must be taken on the same day as your purchase.
3. Submit for HSA/FSA Reimbursement:
Follow the guide included with your LMN to submit your purchase for reimbursement. Claims are usually paid out in 2-4 weeks.
Compliance Reminder
Following Truemed’s compliance guidelines protects customers from misleading claims and keeps your brand aligned with IRS/HSA/FSA rules, reducing the risk of ad rejections or takedowns. It also preserves trust and lowers the chance of disputes or chargebacks by setting accurate expectations about eligibility and savings.
Please include our compliance disclaimer on any HSA/FSA messaging:
*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures
If the disclaimer is missing or if your ad copy is misleading, incomplete, or otherwise non-compliant with the law or your agreement with Truemed, we may ask you to update or remove the asset. If you’d like our team to review marketing assets prior to go-live, email us at merchants@truemed.com.
Need more guidance on what you can say about HSA/FSA? Review the Compliant HSA/FSA Messaging Guide and remember to add our required disclaimer with any savings claims.