I'm voting no primarly because this suspends my ability to fund the active HRA until the IRS determination letter. For someone that has kids, or goes through any medical event for the year, this program is huge.

I don't understand the need to rush this. Yes, the VEBA RHA is a problem because it can be overfunded and isn't a willable asset. That does need to change, but why are we rushing it. Do it right the first time, even if it takes a little longer.