How to handle HSA Negative amount

Summary: is there a way to control the negative HSA amount. currently we have defined communicated amount as value passed to payroll.

When an employee reduces the HSA amount then already contributed amount then how do we handle this negative scenario? we do not have Oracle Fusion Payroll to find the YTD amounts.

I believe one way is to handle through Post Elect? is there any recommendations on this issue. Thank you

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