Has anyone got experience in using One Exchange Tower Watson health insurance with a employer HRA before 65?
My employer will give me 5K for me and 5K for my wife in a HRA when I am 62. It’s so difficult to see what a plan will cost since I am only 61 and it’s not possible to access One Exchange. I heard that you can’t have an ACA plan when you have an HRA so I am wondering if it’s just a good idea to not take the HRA benefit, keep income low and go ACA subsidized plan instead?