FSA Expiration Email Templates: Drive Year-End Urgency with Truemed

Each year, billions in FSA funds go unspent—and forfeited. In fact, about 47% of FSA participants forfeited unused funds in 2023, averaging $422 per account and totaling approximately $4.5 billion (source). That’s a massive opportunity your brand can capture—by educating customers and making it easy for them to use those funds on eligible products.

Promoting FSA usage in December helps you:

• Tap into high-intent spending before funds expire

• Increase conversion and average order value with stacked savings on sales

• Position your product as the smarter year-end choice for health-focused consumers

Below are 5 urgency-driven email templates designed to help you take action now—just plug in your product and promo, and pair with the right checkout instructions. Let’s help your customers spend their benefits with you before December 31.

Subject Line:
Final days to use your FSA funds—or lose them for good

Header:
FSA funds expire December 31—don’t miss out

Body Copy:
Time is running out to use your Flexible Spending Account (FSA) dollars! If you don’t spend your balance before December 31, you lose it.

We’ve partnered with Truemed to make it easy for qualified customers to pay with FSA funds and save ~30% on average.

<Insert “How to Check Out with HSA/FSA” copy (linked below)>

CTA:
[Shop Before Funds Expire]

Subject Line:
Your FSA funds expire soon—treat yourself to a healthier 2026

Header:
Use your FSA to save on [Product Name] before the deadline

Body Copy:
Still sitting on unused FSA funds? Use them before they expire and save on [Product Name].

Qualified customers can check out with FSA funds through Truemed and save ~30% by using pre-tax dollars.

<Insert “How to Check Out with HSA/FSA” copy (linked below)>

CTA:
[Shop Eligible Products]

Subject Line:
Your FSA funds vanish December 31—spend them now

Header:
Save ~30% on [Insert Product]

Body Copy:
December 31 is almost here, and so is the FSA expiration deadline.

If you're eligible, Truemed makes it easy to use your pre-tax FSA funds on qualified products like [Insert Product]. Stack that with your year-end offer for even more value.

<Insert “How to Check Out with HSA/FSA” copy (linked below)>

CTA:
[Shop Eligible Products Now]

Subject Line:
Time’s almost up—use your FSA on [Product] before Dec 31

Header:
Make your benefits work for you while they still count

Body Copy:
Your Flexible Spending Account expires soon—this is the perfect time to restock, invest in your health, and save big.

With Truemed, eligible customers can pay with FSA funds at checkout and get reimbursed for qualified purchases. That’s ~30% average savings when you use pre-tax dollars.

<Insert “How to Check Out with HSA/FSA” copy (linked below)>

CTA:
[Shop & Save Before It’s Too Late →]

Here’s How You Can Maximize Your Savings:

1. Make Your Purchase:
Browse our site and add your favorite discounted products to your cart. At checkout, choose Truemed as your payment option and enter your HSA or FSA debit card information.

2. Complete Health Assessment:
At checkout, choose Truemed as your payment option and enter your HSA or FSA debit card information. Take a quick, 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. 

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 quick, 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 1-2 days. 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.