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.

What you’re launching:

Two emails: launch and last chance
One feed post and one story slide
Three ads
Two set-once settings: an email footer line and an abandoned-cart overlay
Optional: three SMS sends

Your dates

When	What happens
By Oct 1	Foundation check: landing page, site banner, and product widget are live → Website Readiness
By Nov 20	Two season-long settings go live → get the copy
By Nov 20	Three ads launch, ahead of the sale so shoppers learn they’re eligible before they see your discount → get the ads
Nov 27, Black Friday	Email 1 and your social posts go out → get the copy
Nov 30, Cyber Monday	Email 2, last chance → get the copy
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

Live by November 20. 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.

Your ads

Live by November 20. Paid runs ahead of the sale so shoppers learn they’re eligible before they see your discount.

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

Black Friday through Cyber Monday.

Most merchants keep the subject line for the promo itself. That’s fine: put HSA/FSA in the preview text, the line that shows next to your subject in the inbox. Both templates below include one.

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

Preview text: Pre-tax dollars + [Insert Your Promo]. This is the weekend to use them.

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 tax savings vary. 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

Preview text: Last chance to stack HSA/FSA savings on top of the sale.

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 tax savings vary. 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.

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

Nice to have: SMS

SMS converts at a higher clip than almost any channel. If you already text your list, add these to your holiday cadence. If you don’t run SMS yet, BFCM week isn’t the time to stand it up.

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]
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? Always use our standard disclosure language: Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures. When in doubt, check the Compliant Messaging guide or 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.

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