On 5/24/2026 11:49 AM, Lawrence Whalen wrote:
Hi,
I'm hoping someone can give me some guidance on how to set up a medical
flex card that has a $600 limit, but has $50.00 deducted each month from
salary.
The flex card full amount can be used at any time the deductions will just
keep going. If it is exceeded you have to pay out of pocket.
I am trying to figure out accounts to set up a*nd how to set a cap per se that cannot be exceeded because once
exceeded you can no longer use it.*
He isn't asking just how to set up the accounting for this but ALSO for
a (non-existent) feature to ENFORCE a limit on spending from this account.
Lawrence, an accounting system is just RECORDING transactions already
made. It isn't making those transactions. Once you realize, you should
see that what you are asking for would be impossible for the accounting
system to enforce*. That control would have to be on the flex card
itself. And I bet there is one. My own HSA is "reimbursement but my
Medicare Advantage plan has an "other benefits" card (dental, over the
counter, vision, wellness, etc.) and simply won't allow more to be spent
via the card than is available in the balance of each category.
Michael D Novack
* If your card allowed "overspending" the most a limit set in an
accounting system could do is alert you that an error was made.
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