Your client is married. Both spouses have access to their respective employer's health insurance plan. One spouse also has access to an excepted benefit health reimbursement arrangement (EBHRA). They are concerned about their coverage and benefits should they switch to their spouse's plan. What should you advise this client? A) They are not permitted to use their EHBRA outside of their employer's group health plan and should spend down the account before opting into their spouse's outside plan. B) They can utilize their EBHRA even if they opt into their spouse's outside plan, but only have 180 days to spend down the account. C) They are permitted to use their EBHRA even if they opt out of their employer's group health plan in favor of their spouse's outside plan. D) They are permitted to use their EBHRA with their spouse's outside plan and can request that the spouse's employer fund their EBHRA