> ## Documentation Index > Fetch the complete documentation index at: https://docs.withflex.com/llms.txt > Use this file to discover all available pages before exploring further. # New Year, New Funds > Re-engage customers as benefits reset and health goals move back to the forefront, with ready-to-use copy and recommended audiences. January shifts the conversation from year-end urgency to fresh health goals and benefits education. For many customers, a new FSA plan year begins, while HSA holders may be making new contributions or looking for new ways to put existing funds to use. It's a natural moment to remind customers what may be eligible and make HSA/FSA part of their new-year routine. Three merchant new-year HSA/FSA creatives: an OluKai running-shoe ad headlined OluKai is Now HSA/FSA Eligible, a TUSHY bidet ad headlined HSA/FSA Eligible with the tagline Spend Smarter. Clean Better., and an Omnilux ad headlined Omnilux is HSA/FSA Eligible showing its LED light-therapy masks **Plan ahead for:** * January HSA/FSA reminders * New-year wellness campaigns * Refreshed eligible-product collections * New paid creative * Lifecycle messaging for new and returning customers **Flex tip.** Build HSA/FSA into your January strategy early so customers understand what may be eligible before they're ready to buy. *** ## Sample copy blocks ```text wrap theme={null} Fresh benefits: Your HSA/FSA funds have reset. Eligible [PRODUCTS] may qualify for your new balance. New year goals: Putting your health goals first this year? Your HSA/FSA may help you pay for eligible [PRODUCTS] with pre-tax dollars. New year, new benefits. Eligible [PRODUCTS] may qualify for HSA/FSA payment at checkout. Missed the deadline: Didn't get to use your FSA last year? Your new balance is available now. Education: Your HSA/FSA covers more than you think. See what qualifies at [BRAND]. ``` ```text wrap theme={null} Your HSA/FSA funds have reset. Shop eligible [BRAND] products and pay with pre-tax dollars. New year, new benefits. Eligible products may qualify for HSA/FSA payment. ``` ```text wrap theme={null} New year, fresh HSA/FSA balance. Select [BRAND] products may be eligible, so you can put those funds toward the goals you set this month. ``` ```text wrap theme={null} Your HSA/FSA Has Reset New Year, New Benefits Pay With Pre-Tax Dollars HSA/FSA-Eligible [CATEGORY] ``` *** ## Recommended audiences | Segment | Description | | :- | :- | | **December non-converters** | They engaged but didn't buy. An empty balance may have been the reason. | | **New enrollees** | Customers who elected HSA/FSA during Open Enrollment are now using it for the first time. | | **Previous HSA/FSA purchasers** | They know the flow. A reset balance is reason enough. | | **Lapsed customers and subscribers** | New year, new budget. A strong reactivation window. | | **Cart abandoners from Q4** | Retarget with the eligible collection and a reset message. | | **Prospecting audience** | Less competition and lower CPCs than December, with intent still high. | **Flex tip.** Export your customer list from the Flex dashboard and compare it against your December sends. Customers who opened deadline emails but didn't purchase are your highest-priority January segment. *** ## Related * [Q4 Playbook](/merchant-success/seasonal/q4-playbook) * [Open Enrollment](/merchant-success/seasonal/open-enrollment) * [BFCM + Holiday Campaign Guide](/merchant-success/seasonal/bfcm-holiday) * [FSA Deadline: Use it or Lose it](/merchant-success/seasonal/fsa-deadline) * [Compliant Marketing](/merchant-success/marketing/compliant-marketing) * [Email & SMS](/merchant-success/marketing/email-and-sms) This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.