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HandyManPat t1_iy86xjg wrote

You should clarify specifically with your employer/pension contacts, but I suspect what you are describing is a Defined Contribution HRA or a Retiree HRA. (My mother-in-law has one of these as a pension benefit from her prior employer).

HRAs and HSAs have specific interactions that must be coordinated to ensure you can be eligible to participate in both simultaneously. Absent coordination, you can enroll in a qualifying HDHP, but would be ineligible to make HSA contributions due to the HRA availability.

https://datapathadmin.com/hras-and-hsas-at-the-same-time/

Unless your "pension" HRA supports a suspend mode (see #4, in the link above), I don't see how you can become eligible for HSA contributions while the HRA is still funded.

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solepropquestion OP t1_iy8bro6 wrote

thanks for the reply-- werewolf dad's earlier response got me digging this morning. and your links are very helpful as well. now i'm trying to narrow the field as the (MA) calls itself a retirement medical account which they claim is different than an HRA. I'm trying with the pension system to see what they say in terms of classification. also trying to figure out how HRA's are tracked, there's no 1099-sa.

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I'm almost positive i have an HRA based on definition but doing more due diligence, quite possibly looking for a cpa.

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i'm kinda now thinking to go down the path of taking aca subsidies at tax return, to request full premium cost reimbursements from the (MA) and drain it quicker. when empty, possibly doing HSA depending on health.

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