My wife and I were reviewing her benefits for next year. Health insurance, dental, vision, all the usual stuff. Then we got to the FSA and HSA section and asked a simple question:
What can we actually use this money for?
So I started digging.
And that quick question turned into a full rabbit hole of research. What I learned was wild.
Consumers have no idea their FSA covers way more than they think
Here are items that are commonly eligible:
Sunscreen
Skincare
Baby supplies
Glasses and contacts
Menstrual care products
Breastfeeding accessories
Sleep support products
Prenatal vitamins
Physical therapy tools
First aid kits
Allergy meds and cold meds
Acupuncture
Certain fitness and wellness items depending on classification - yes maybe even sneakers!
People are sitting on hundreds or thousands of pre tax dollars that expire if they do not use them in time. Every December is a frantic rush to spend their balance before it disappears.
Here is where it gets interesting for Shopify stores
During this research, I stumbled on Flex.
Not as a marketer or founder. Just as a confused consumer trying to understand what qualifies.
Once I landed on their site, it clicked instantly.
Flex powers HSA and FSA payments directly inside Shopify checkout and it is already being used by top wellness and lifestyle brands.
And the numbers are strong:
30 percent more conversions
50 percent higher AOV
10 percent fewer returns
92 percent of shoppers say they will return because they can use their benefit dollars
When people are spending money that feels like free money, they convert faster and spend more.
Now the time sensitive part
There are 31 days left in the year.
Millions of shoppers have FSA balances that expire at year end. If your store sells health, wellness, fitness, recovery, baby, skincare, or similar products and you are not set up to accept FSA cards, you are leaving high intent revenue on the table.
Flex makes setup simple:
Add FSA as a payment option
Automatically verify eligibility
Split payments if needed
Handle compliance behind the scenes
Tag FSA eligible products
It is one of the easiest lifts a brand can make before year end.
If you want to check it out, here is the link
December is the only month where shoppers are forced to spend money or lose it.
This is the moment to meet them at checkout.


