Ellen:
Medical cards should not allow charges that are not medically related. The company called to let you know that you are responsible for that amount and will have to send in $100 for payment.
Your family needs help. Your son is stealing from you. He got into your purse without your permission and stole a credit card. If he does that to someone else, they might press charges and your son will have a record. No excuses on his behavior.
Stop walking on egg shells in your own home. You are "afraid" to tell your husband? HUGE RED FLAG.
Allowing your son or worse, using his Aspberger's as an excuse for his behavior.
You go to your son and tell him that "the HSA company called today to inform me of $100 in charges they will not cover because they were not medically related. Do you have any idea how this could have happened??"
If he pitches a fit? Tell your son you need the credit card back RIGHT NOW. Tell him if it is not returned within 5 minutes, you will have to call the police and file charges of a stolen credit card and when it comes back to him? You can't help him. Let him throw a fit. It won't change that fact that you MUST call and get report a fraudulent charge on your card.
Then you tell your husband what happened. You pay the HSA card and make your son work off the amount or take the items back.
Get your family into counseling. IF he does have Aspbergers, you should be going to a therapist regularly anyway to help him deal with his triggers. If not - you need to GET 'ER DONE!!
Tell your son you are EXTREMELY disappointed that he stole from you. Aspbergers or not - your son needs to be held accountable for his actions, tantrums or not.
Get control of your household, Ellen!! If your son isn't held accountable now - just imagine what will happen if he goes to a friend's house and steals from them?? Or worse - grandparents - what will you do then?? Make excuses for him?? STOP THE INSANITY!!! Get your family in counseling now...
Figure out why your husband isn't close with his son. They need to learn to communicate.