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Great suggestion, but I'm confused--how do you spend more from the account than is in it?
The year that you terminate employment. The total balance committed to be contributed can be spent. If employment ends before the contributions are complete, you are not required to repay the balance.

Sorry, sorry but I am STILL confused...where does the money come from to pay my doctor if it isn't in the account? Do we pay the medical bills as usual and then try to get reimbursed from an account with insufficient money in it?? And doesn't DH owe the MSA what he said he'd put into it, even if he retires? Do they just take the remainder owed out of his final paycheck? Or does some amorphous "they" pay our bills?--that can't be right. What am I not seeing?
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