Changing Health Savings Account

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I'm wondering how other companies are handling changing the health savings accounts mid-year. We went live with benefits and payroll 1/1/17.

1. I was told that there really is no hard stop in the system when it came to employee + employer contributions to the HSA. I am currently working with a consultant to develop a fast formula to monitor employee and employer contributions so that the IRS maximums are not exceeded in a calendar year. However, the further I get into this, I'm starting to wonder if it's the best solution, so I'm wondering if other companies have handled this issue similarly with a fast formula or not.