Black Friday / Cyber Monday: Stack Your Sale with Pre-Tax Savings

Your BFCM discount is about to compete with every other discount in your customer’s inbox. HSA/FSA is how yours wins: eligible shoppers pay with pre-tax dollars, an average of ~30% in savings* on top of your sale price. That stack is the best effective price your customers will see all year, and most of them don’t know they can use it.

Your dates

When	What goes live
By Nov 20 (one week out)	Foundation check: your landing page, site banner, and product widget are live. Missing any? Start with Website Readiness
By Nov 20	The two season-long settings below: email footer line and abandoned-cart overlay
By Nov 20	Your ads (three variants below). Paid runs ahead of the sale so shoppers learn they’re eligible before they see your discount
Nov 27, Black Friday	Email 1 (launch) and your social posts
Nov 30, Cyber Monday	Email 2 (last chance)
Dec 1	Your sale ends. Your customers’ FSA deadline doesn’t: the FSA Expiration page picks up from here

The message: Your discount + their pre-tax savings = the best price of the year.

Say “save an average of 30% for qualified customers.” Never say “covered,” “free,” or “everything qualifies.” Every template below is pre-checked.

Season-long settings (set once, works through January). If these are already live, skip ahead.

Email footer line:

We accept HSA/FSA. Qualified customers save an average of 30%* on [Brand]. [Learn more →]

Abandoned-cart overlay (add above your existing cart reminder copy):

Still deciding? If you’re HSA/FSA eligible, your cart is an average of 30%* less than it looks. Stack your pre-tax dollars with our BFCM sale before it ends.

The essentials: add HSA/FSA to what you’re already sending

You already have BFCM emails planned. These templates give them the eligibility angle. Send as-is or lift the stack framing into your existing creative.

Email 1 — Launch (send Black Friday morning)

Subject line options:

[Insert Your Promo] + pre-tax dollars: your best price of the year
Your Black Friday savings just got bigger
Stack [Insert Your Promo] with your HSA/FSA

Hi [First Name],

Our biggest sale of the year is live: [Insert Your Promo] on [Brand].

And if you have an HSA or FSA, it gets better. Pay with pre-tax dollars through Truemed at checkout and save an average of 30%* on top of the sale price.

[Shop the Sale →]

*Truemed is for qualified customers. HSA/FSA savings vary by tax situation. Learn more at truemed.com/disclosures.

Email 2 — Last chance (send Cyber Monday)

Subject line options:

Last day to stack your savings
[Insert Your Promo] ends tonight. Your HSA/FSA makes it bigger
Final hours: sale price + pre-tax dollars

Hi [First Name],

[Insert Your Promo] ends tonight at midnight.

One reminder before it does: if you’re HSA/FSA eligible, you can pay with pre-tax dollars and save an average of 30%* on top of the sale. This is the one weekend a year both discounts stack.

[Shop Before Midnight →]

*Truemed is for qualified customers. HSA/FSA savings vary by tax situation. Learn more at truemed.com/disclosures.

Feed caption:

Black Friday math: [Insert Your Promo] + an average of 30%* in pre-tax savings if you’re HSA/FSA eligible. Pay with Truemed at checkout and stack both. Link in bio.

*Qualified customers only. Savings vary. truemed.com/disclosures

Story slide:

Headline: BLACK FRIDAY, STACKED
Subhead: [Insert Your Promo] + avg. 30%* pre-tax savings with HSA/FSA
CTA sticker: Shop the sale
Small text: *Qualified customers only. Savings vary.

Promote to the HSA/FSA audience

100M+ Americans hold an HSA or FSA, and BFCM week is when they’re actively hunting for maximum value. Lead your paid creative with the stack; it’s an angle no non-eligible competitor can copy.

Ad 1 — The stack

Headline: Stack Your Black Friday Savings
Primary text: [Insert Your Promo] on [Brand], plus an average of 30%* in pre-tax savings if you’re HSA/FSA eligible. Two kinds of savings, one checkout.
Overlay text: [Promo] + HSA/FSA = your best price of the year
CTA: Shop Now

Ad 2 — The reveal

Headline: We Accept HSA/FSA
Primary text: Most people don’t know they may be able to use pre-tax HSA/FSA dollars on [Brand]. This Black Friday, qualified customers stack an average of 30%* in savings on top of [Insert Your Promo].
Overlay text: [Brand] accepts HSA/FSA
CTA: Learn More

Ad 3 — The deadline bridge

Headline: The Sale Ends. Your Funds Don’t Have To
Primary text: Use your HSA/FSA during [Brand]‘s BFCM sale and get more from every pre-tax dollar. FSA funds expire Dec 31, so this is the season to spend them well.
Overlay text: Sale price + pre-tax dollars, if eligible
CTA: Shop the Sale

Nice to have

Already running SMS? These slot into your holiday cadence. If not, don’t start now.

Launch (Nov 27): Black Friday is live: [Insert Your Promo] on [Brand]. HSA/FSA eligible? Stack an avg. 30%* in pre-tax savings on top. [link] *Qualified customers; savings vary; truemed.com/disclosures
Mid-sale (Nov 29): Still shopping? Your HSA/FSA can save you an avg. 30%* on [Brand], on top of [Insert Your Promo]. Ends Monday. [link]
Last call (Nov 30): Final hours: [Insert Your Promo] ends tonight. Stack it with pre-tax HSA/FSA dollars while you can. [link]

Before you send

One rule: “save an average of 30% for qualified customers,” never “covered” or “everything qualifies.” Writing your own variations? Email partners@truemed.com and we’ll review your copy before launch.

Next moment

Your sale ends November 30. Your customers’ FSA deadline doesn’t. The FSA Expiration page is next in this playbook, and your activation window opens December 15.

*Savings vary by individual tax situation. See truemed.com/disclosures.