@Just-Lisa-Now- You have to ask the client if its only for themself or can they use it for the whole family.

That won't work, because even with a self-only plan the funds can be used to pay medical expenses for spouse and dependents.

If the amount is greater than what is allowed for a self-only plan, I assume it's family. Maybe I shouldn't, but I see enough high-income seniors working past 65 for Fortune 100 companies who don't qualify at all, because they have Medicare A, and no one complains about that.