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The ex-wife’s argument makes zero sense. In their divorce decree it states somewhere their respective liability for out of pocket medicals in very simple terms – his is 55% hers is 45%. Absent their being a clause that states unless there is available $ in the HSA to cover, then husband has to pay more than 55% - there’s no legal authority for her position. The co-pay argument also makes zero sense. In other words – out of pocket cost is out of pocket cost. I’m sure the decree doesn’t say unless one of you has a family plan in which case the opposite party must contribute less. Unfortunately, if she’s not going to pay her share, then he has to file a motion with the court to enforce that.I believe this answers your question. However, if you need clarification or have follow-up questions regarding this matter, I will be happy to continue our conversation – simply reply to this answer. If you are otherwise satisfied with my response, please leave a positive rating as it is the only way I am able to get credit for my answers (even though the website already charged you, it does not credit me with the answer unless and until you indicate you are satisfied with the answer). Thank you, ***** ***** wish you all the best with this matter.