HSA and FSA Benefits Video: Drive Employee Enrollment With Personalized Explainers

Last updated: April 2026

Your Employees Are Leaving Thousands of Dollars on the Table

Health Savings Accounts and Flexible Spending Accounts save employees real money — $1,000-3,000 per year in tax savings for the average family. But enrollment rates tell a different story. Only about 30% of eligible employees contribute to an HSA, and FSA participation hovers around 40%.

The problem isn't that employees don't want to save money. The problem is that nobody has explained these benefits in a way that clicks. A 47-page benefits guide and a generic webinar aren't getting it done. Personalized video can.

Why Benefits Communication Fails

Open enrollment season is overwhelming. Employees receive a flood of emails, PDFs, and portal links. They skim, they procrastinate, and they default to whatever they chose last year — even if last year's choice left money on the table.

HSAs and FSAs are especially vulnerable to this default behavior because they require active decisions: how much to contribute, which one to choose, whether to invest HSA funds. Without clear guidance tailored to their situation, most employees choose the safe option — which is usually contributing nothing.

Generic communications compound the problem. A 30-year-old single employee and a 55-year-old with a family of four have completely different HSA strategies. When both get the same email, neither feels like the information is relevant to them.

How Personalized Video Drives HSA and FSA Enrollment

The "what you're missing" video. Send each employee a 90-second personalized video during open enrollment that shows their specific tax savings opportunity. "[Employee name], based on your salary band and family status, contributing the maximum to your HSA would save you approximately $2,400 in taxes this year. That's $200 per month back in your pocket."

When you put a specific dollar amount in front of someone with their name attached, they pay attention.

The HSA vs. FSA explainer. For employees eligible for both, send a personalized video comparing the two options based on their specific health plan selection. Show which one makes more sense for their situation, how much they can contribute, and what happens to unused funds. This eliminates the confusion that causes employees to skip both.

The investment nudge. For employees already contributing to an HSA, send a personalized video showing their current balance and the potential growth if they invested those funds. "Your HSA balance is $8,500. If you invested that amount and continued contributing, it could grow to over $45,000 by retirement." Most employees don't even know they can invest their HSA funds — this video tells them and shows them the math.

Implementation for Benefits Teams

Pull data from your HRIS. You need: employee name, salary band, family status, current plan selection, current HSA/FSA contribution (if any), and age. Most HRIS platforms export these fields easily.

Record 3-4 template videos. One for HSA-eligible employees not currently contributing, one for FSA-eligible employees, one for current contributors who aren't investing, and one for employees choosing between HSA and FSA. Each template is 60-120 seconds.

Time it with open enrollment. Send the first video two weeks before open enrollment opens. Send a follow-up one week before the deadline for employees who haven't made changes. The reminder video should update the math based on remaining enrollment window.

Measure everything. Track video open rates, completion rates, and most importantly, enrollment changes. Compare HSA/FSA enrollment rates for employees who watched the video versus those who didn't. This data justifies the investment for next year.

The Employer ROI

Higher HSA participation benefits the employer too. When employees contribute to HSAs, employers save on FICA taxes — roughly 7.65% of every dollar employees contribute. For a company with 500 employees where HSA participation increases by 100 people contributing an average of $3,000, that's $22,950 in annual FICA savings for the employer.

Add in reduced benefits-related support tickets, fewer open enrollment questions, and higher employee satisfaction scores, and the ROI on personalized benefits video is significant.

Keep Reading

Health Insurance Open Enrollment Personalized Video — Drive enrollment across all health benefits, not just HSA/FSA.

401(k) Enrollment Personalized Video — Apply the same personalized approach to retirement benefits enrollment.

Personalized Video for Customer Onboarding — How personalized video improves any enrollment or onboarding process.

Frequently Asked Questions

How does personalized video increase HSA and FSA enrollment?

Personalized video shows each employee their specific tax savings based on salary, family status, and contribution amounts. Employees who see their personal dollar-amount savings are significantly more likely to enroll than those who receive generic communications.

What data is needed to create personalized HSA/FSA videos?

You need employee name, salary band, family status, current plan selection, and current contribution amount. Most HRIS platforms like Workday, ADP, and BambooHR can export these fields for bulk video generation.

When should personalized HSA/FSA videos be sent during open enrollment?

Send the first video two weeks before open enrollment opens to give employees time to plan. Follow up one week before the deadline for employees who haven't made changes. This two-touch approach maximizes enrollment impact.

Can personalized video explain HSA investment options to employees?

Yes. Personalized video can show each employee their current HSA balance and projected growth if invested. Most employees don't know they can invest HSA funds, so a personalized video with their specific balance and a growth projection is highly effective at driving investment adoption.

Employees who understand their benefits use them. Personalized video is the fastest way to turn a confusing open enrollment packet into a clear, specific, dollar-denominated reason to act.

Tailor.Video helps benefits teams drive HSA and FSA enrollment with personalized videos that show each employee exactly how much they'll save. Stop losing participation to confusion. Book a demo to see how it works.