Patent ID: 8438106

Claim:
A method of managing a medical savings account, the medical savings account comprising funds invested in each of a plurality of investment accounts, the method comprising: receiving with a computer system a request for payment of a healthcare expense incurred by a party authorized for recovery under the medical savings account; Initiating by the computer drawing a balance against a line of credit secured by one or more of the investment accounts; Initiating by the computer paying at least a portion of the healthcare expense with funds obtained from the drawn balance; Initiating by the computer liquidating at least a portion of some of the investment accounts in accordance with instructions provided by the party or by an owner of the medical savings account to satisfy the drawn balance of the line of credit, wherein liquidating the at least a portion of some of the investment accounts comprises liquidating an amount that exceeds the drawn balance; and initiating, with the computer system, investment of an excess of the amount over the drawn balance in accordance with predefined investment instructions.