I'm wondering if any one on the sub knows the answer to this, or has experience with it. The RMSA support folks don't seem to be able to answer. The ACA support folks tell me it won't matter. Neither of the support folks seemed very confident in their answers.
Hope this is the correct place to ask. I'm FI and retired last month.
I have a Retiree Medical Savings Account. I noticed in the opt-in/opt-out notification that I need to opt-in in order to receive reimbursements for medical insurance premiums. Ok, seems simple, but they also had a paragraph that says there is an implication if you opt-in. To quote - "The decision to "opt in" to your plan is an important one, because under current IRS guidance, you cannot make or receive contributions to a Health Savings Account or receive premium tax credits that may otherwise be available to you for health insurance coverage purchased through federal or state marketplace while you have access to the retiree medical savings account".
This sounds to me like no ACA subsidies even if income levels are low enough to qualify. That of course would be significant to me since ACA without subsidies would be financially pretty high.
Thankyou