The Q4 Opportunity & Optimization Checklist | Truemed Merchant Help Center

Why Q4 Is Your Biggest Revenue Opportunity

The end of the year brings three major revenue drivers: Open Enrollment, Black Friday/Cyber Monday, and the FSA deadline. Open Enrollment in the fall is a key moment to educate shoppers as they fund new HSA/FSA accounts. BFCM kicks off peak holiday buying behavior, and FSA funds must be used by December 31, creating urgency that drives a surge in tax-free spending across the final weeks of the year.

And it doesn’t stop in December — January brings a fresh wave of opportunity as customers start the year with replenished HSA/FSA funds and health-focused resolutions. Brands that maintain momentum into Q1 can capture early-year spend with “new year, new you” messaging and smart remarketing.

Below, you’ll find copy suggestions & templates for HSA/FSA messaging at each key seasonal opportunity.

Download the Q4 Optimization Checklist

Download the Q4 Optimization Checklist (PDF) for a printable version of everything below.

Q4 Optimization Checklist

Site Optimization

Seasonal Homepage Banners
- Add HSA/FSA callouts to your site banner
- Banner Copy
Homepage Content Block
- Feature your top HSA/FSA eligible products
- Layout Inspiration
“HSA/FSA Eligible” Product Filters
- Help customers quickly find qualifying items
- Learn How
Blog Posts
- Remind customers of HSA/FSA eligibility and boost SEO to attract qualified customers
- Get a template

Email Marketing

Open Enrollment (Sept-Oct)
- Launch a campaign reminding customers that now is the time to fund their HSA/FSA accounts
- Get Sample Campaign Copy | Designed Templates
Black Friday / Cyber Monday (Nov)
- Highlight how customers can stack savings in your BFCM campaigns
- Get Sample Campaign Copy | Designed Templates
End-of-Year (Dec)
- Emphasize FSA expiration urgency
- Get Sample Campaign Copy | Designed Templates
New Year, New You (Jan)
- Remind customers with new years resolutions and freshly replenished HSA/FSA accounts to shop your eligible products
- Get Sample Campaign Copy | Designed Templates
Lifecycle Email Updates
- Add HSA/FSA messaging to your header/footers — Get Sample Copy
- Update abandoned cart flows with eligibility messaging — Get Sample Copy

Ad Campaigns

BFCM Campaigns
- Promote HSA/FSA savings in paid social and search
- Get Designed Ad Templates + Compliant Copy
End-of-year FSA Expiration Campaigns
- Drive urgency in final 2 weeks of the year
- Get Designed Ad Templates + Compliant Copy

SMS Campaign Blocks
- Add HSA/FSA copy to holiday texts
- See Sample Copy
Instagram Story Templates
- Add “HSA/FSA” to your story highlights
- Get Designed Highlight Templates

Influencer Marketing

Open Enrollment (Sept) — Influencer Script Template
Black Friday / Cyber Monday — BFCM Script
End-of-Year — EOY Script

Webinars & Training

Watch On-Demand: BFCM & EOY Campaign Walkthrough
- Hear from Truemed’s Head of CS, Chantel Hopper, about best practices for Q4 promotion
- Watch Now