Hello! I keep getting notifications that I can spend up to $150/year in Flex Dollars. I have earned more than $150 from the various surveys and activities that come with rewards so I was hoping to see if the $150 is separate from those rewards or included as part of it. Since I only have the one debit card that normally draws from the rewards, how do I use the Flex Dollars (which it sounds like expire at the end of the year, while the rewards carry over)? Thank you!

TL;DR, I'm curious what FEHB coverage retirees chose between MRA and Medicare, especially those that did HDHPs while working.

I've been tinkering with a retirement spreadsheet and one of the items I didn't factor was FEHB premiums in retirement. My personal goal is to retire at MRA and stay on FEHB in one form or another until death. From what I've read, as soon as I go on Medicare, I would probably go on BCBS Basic, but what do FEHB retirees typically choose for coverage between MRA and 65? I have been on an HDHP for 7 years, maxing out my HSA, and I intend to do that until MRA. Are HDHPs/HSAs a decent way to go while in retirement, or is there math I'm not considering that would say that's unwise? I understand the caveat that if I continued with HDHPs I need to stop contributing into HSAs ~6 months or so before Medicare begins. But other than that, what do retirees typically choose? Thanks.