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 upsells with stacked savings on sales
Position your memberships and fitness programs 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 service and promo, and pair with the right checkout instructions. Let’s help your customers spend their benefits with you before December 31.
Email Design Templates
Email Copy Templates
Email 1 – Use It or Lose It
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 reimburse their memberships with FSA funds and save ~30%*.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
CTA:
[Qualify Now & Shop Before Funds Expire]
*On average, 30% of gross income is paid to state and federal tax. Individual tax rates vary. To see your estimated savings, checkout the TrueSavings Estimator.
Email 2 – Healthiest Gift You Can Give Yourself
Subject Line:
Your FSA funds expire soon—treat yourself to a healthier 2026
Header:
Use your FSA to save on [Brand 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 be reimbursed 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:
[Find Out If You Qualify]
*On average, 30% of gross income is paid to state and federal tax. Individual tax rates vary. To see your estimated savings, checkout the TrueSavings Estimator.
Email 3 – The Clock Is Ticking
Subject Line:
Your FSA funds vanish December 31—spend them now
Header:
Save ~30% on [Insert Brand Name]
Body Copy:
December 31 is almost here, and so is the FSA expiration deadline.
If you're eligible, Truemed makes it seamless to use your pre-tax FSA funds on qualified memberships and fitness programs. Stack that with your year-end offer for even more value.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
CTA:
[Get Started]
*On average, 30% of gross income is paid to state and federal tax. Individual tax rates vary. To see your estimated savings, checkout the TrueSavings Estimator.
Email 4 – Smartest Year-End Spend
Subject Line:
Time’s almost up—use your FSA on [Brand Name] 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 level up, invest in your health, and save big.
With Truemed, qualified customers can be reimbursed with FSA funds through Truemed. That’s ~30%* savings when you use pre-tax dollars.
<Insert “How to Check Out with HSA/FSA” copy (linked below)>
CTA:
[Qualify & Save Before It’s Too Late →]
*On average, 30% of gross income is paid to state and federal tax. Individual tax rates vary. To see your estimated savings, checkout the TrueSavings Estimator.
How it Works – Membership Purchases
Here’s How You Can Maximize Your Savings:
1. Complete health assessment:
Take a quick, private health survey. 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.
2. Make Your Purchase:
Do not pay with an HSA/FSA card during checkout.
3. Submit For HSA/FSA Reimbursment:
If you qualify, you'll receive an LMN and a guide on how to submit your purchase to your HSA/FSA administrator for reimbursement. Claims are typically paid out in 2-4 weeks.