Keith,

Your payment plan would be best represented by a Liability account
"PaymentPlan" or similar.

For each service provider you could have an expense account for the
services provided by that provider as sub accounts of a Medical
Expenses  expense account. If you don't need to break down the expenses
by provider, then you could use a single "Medical Expenses" expense
account.

When you receive a service you increase the balance (debit) of the
relevantexpense account(s) and increase the balance (credit) the
liability account.

WHen you make a payment to the plan you would decrease the balance of
your bank account (credit) and decrease the balance (debit) of the
liability account "Payment Plan".

Alternatively you could use the Business features of GnuCash and create
each provider as a vendor and have a single Medical Expenses account.
Here when you receive a service, you would raise an invoice. this
automatically credits a Liability account "Accounts Receivable" and you
would specify the Medical Expenses account as the account to debit.

Here when you make a payment, you would credit your Bank account  and
debit the "Accounts Receivable". 

If you are only using the business features to record the expenses
incurred on the payment plan then the balance of the "Accounts
Receivable" is what you owe the plan at any time.

With the reports for the BUsiness features you can use the vendor
reports to breakdown what is owning to each vendor, but presumably the
purpose of the payment plan is that you do not have to bother doing
that as the Payment plan takes care of ensuring the vendors are paid on
time

Which approach is better depends on what you need the information for
and exactly what it is you need or want to know and what information
you need to record in your accounts to satisfy thatto satisfy that




On Fri, 2025-11-07 at 13:27 +0100, keith adams via gnucash-user wrote:
> 11/07/2025 @ 0726 EST
> Gnucash (Flathub v5.13). I have a payment plan set up with the
> hospital that owns numerous providers. I record payments in my
> Gnucash checking account. The balance in the plan changes when I
> receive services or make payments. After many hours I cannot figure
> out how to correctly show activity in the plan (with sub accounts for
> each provider/service so I can make itemized reports). Please Help.
> And Thank You!
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