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I'm leaving the UHC Advantage plan at the end of this year.? I've spent my FHA funds as fast as I could and have just a little left. How much should I leave in there to be significant to preserve the privilege of returning to the IBM medical plans in the future?? If returning would ever make sense for some reason, just thinking to keeping that option open.? I have $104 left in there now, and could easily submit another $50 in reimbursement claims.? With just a little digging through on-line billing receipts I could even drain it completely to just pocket change above zero dollars.? Or have I already spent it too low and should just claim it all?

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What's the group consensus on what to leave in the FHA knowing I may never want to come back, but "just in case" to preserve the option?

According to the Summary Plan Descriptions, the FHA and HRA are treated differently in terms of continued access to the IBM plans.

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Prior to age 65, you should keep at ;least $1 in the FHA to be eligible to return to the IBM pre-Medicare insurance plans if you drop out of the IBM plans for a time.?

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Once you are 65 and become eligible for Medicare, the FHA converts to the HRA.? Under the current rules, as long as you were eligible to enroll at age 65, you will always be eligible to return to the IBM MA plans in the future if you drop out for a while, even if you have a $0 HRA balance.?

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I used all of my HRA funds and have a $0 balance. I have not been enrolled in the IBM MA plans for the last 2 years, but have been eligible to enroll during open enrollment each year, so I know this really works.

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IBM could choose to change the rules in the future, so if you are really worried, leave $1 in the HRA.??

Thanks Ron, good to know.