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.