For Active State of Indiana Employees
2026 RMBA Election Options
In the 2026 legislative session, Senate Enrolled Act 14 (SEA 14, now Public Law 104) was passed, which makes several important changes and creates new opportunities for State employees regarding the Retirement Medical Benefits Account (RMBA), which can influence their retirement planning.
Disclosure: The election referred to throughout this page is the eligible employee's decision to waive any and all rights to their RMBA account. If they elect to waive their participation in, and any rights to receive benefits under, the RMBA account, they will become eligible for a one-time, non-matching employer contribution to the Hoosier START 401(a) plan, as described below. The one-time, non-matching employer contribution referred throughout may be reduced to comply with requirements imposed by the Tax Code.
RMBA Downloadable Materials
RMBA Election Options
During the 2026 Open Enrollment period, certain active state employees, eligible for the RMBA, and hired before March 14, 2026, will be given the option to:
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Transfer their entire RMBA balance (contributions and earnings) to a newly created 2027 RMBA, or
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End their RMBA participation and receive a one-time, non-matching employer contribution into their Hoosier START 401(a).
This is the default option if employees do not complete an election.
- The one-time, non-matching employer contribution will be calculated based on their continuous years of service and age during each respective year and should be the equivalent of their RMBA contributions balance, minus earnings.
- Employees who elect this option by choice or default and are on long-term disability at the time of the one-time, non-matching employer contribution to their Hoosier START 401(a) account are ineligible to receive this type of employer contribution according to Internal Revenue Service rules and will be enrolled as a participant in the 2027 RMBA.
While RMBA elections will be made during the State’s Open Enrollment period, they will not be effective until January 1, 2027.
What can employees do now?
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Learn about the RMBA and their election options.
- Monitor your inbox for your required learning assignment about the 2026 RMBA election, assigned through SuccessFactors (expected mid-October 2026)
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Register to attend education sessions.
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Ensure their contact information (mailing and email address) is up to date within:
- PeopleSoft
- INPRS
- Hoosier START
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Explore the “Your RMBA Balance” database, a simple and secure tool where employees can check their RMBA contributions and earnings (launching by October 5)
Education Opportunities
Employees will have many opportunities to learn about the RMBA and consider their options. A secure balance look-up database, "Your RMBA Balance", is in development and will be available before the 2026 Open Enrollment period begins. Education opportunities include:
Required
Required education assigned through SuccessFactors, including an acknowledgement of employee responsibilities.
In-person education
Formal presentations as well as Q&A time with INPRS Retirement Services Consultants and Hoosier START staff.
Virtual education
Pre-recorded webinars as well as live virtual events with office hours.
One-on-one appointments
Virtual and in-person appoints with INPRS Retirement Services Consultants.
Eligible employees will make their one-time, irrevocable election during the 2026 State of Indiana’s Open Enrollment period using SuccessFactors.
Retirement Medical Benefits Account Plan
Certain State of Indiana employees hired and beginning employment before March 14, 2026, qualify for Retirement Medical Benefits Account (RMBA). They include:
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Employees of executive, legislative, or judicial branch of the State government;
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State elected or appointed officers;
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Members of the General Assembly;
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An elected officer paid by the State;
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An officer paid by the State under IC 33-23-5-10, IC 33-38-5-7, or IC 33-39-6-2.
What is RMBA?
Think of it like a health reimbursement arrangement established to cover the cost of certain health insurance premiums.
Its purpose is to fund, on a pre-tax basis, the insurance premiums associated with benefits for sickness, accident, hospitalization
and medical expenses for certain retired employees.
Once you retire, it can be used to pay for health insurance premiums for you & your covered dependent(s).
If you leave State employment prior to retirement eligibility, you forfeit your RMBA funds. However, if you return to a RMBA eligible position within 30 days of your departure, your RMBA balance will be restored.
Contributions
The employer allocates contributions annually to an eligible employee's reimbursement account on your behalf. The amount of the contribution each plan year is based on your age on the last day of the calendar year
falling within the RMBA plan year for which the contribution is made. The amounts are:
| Participant's Attained Age in Years |
Annual Contribution Amount |
| Less than 30 |
$500 |
| At least 30, but less than 40 |
$800 |
| At least 40, but less than 50 |
$1,100 |
| At least 50 |
$1,400 |
RMBA is changing
On July 1, 2026, Public Law 104 took effect. It states that the current RMBA plan will terminate as of December 31, 2026. Active employees hired prior to March 14, 2026 will make a one-time irrevocable election during the State's Open Enrollment period in the fall of 2026. They can elect to either:
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Transfer their current RMBA balance to the new 2027 Retiree Health Benefit Trust Fund (“2027 RMBA”); or
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Receive a one-time, non-matching employer contribution to their Hoosier START 401(a). Balances will vary based on age and years of participation in RMBA.
RMBA Retirees and their survivors/beneficiaries are not impacted by this change and may continue to use their RMBA until the account is depleted.
Disclosure: The election referred to throughout this page is the eligible employee's decision to waive any and all rights to their RMBA account. If they elect to waive their participation in, and any rights to receive benefits under, the RMBA account, they will become eligible for a one-time, non-matching employer contribution to the Hoosier START 401(a) plan, as described below. The one-time, non-matching employer contribution referred throughout may be reduced to comply with requirements imposed by the Tax Code.
How does Public Law 104 impact you?
Employee Type |
Open Enrollment Choice (Default): One-Time Credit from State to Hoosier START, RMBA Terminated |
Open Enrollment Choice: Continue participation in RMBA and Receive Contributions |
Not Eligible to Choose: Continue participation in RMBA and Receive Contributions |
Not Eligible to Choose: Continue Participation in RMBA, Reimbursements Frozen |
Not Eligible to Choose: Continue Participation in RMBA, Eligible for Reimbursements |
Active employee hired before Mar. 14, 2026, eligible for RMBA (including Millie Morgan retirees, employees on short-term disability, FMLA, and military leave) |
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Active employee hired before March 14, 2026, who as of June 30, 2017, had at least 15 years of service and were eligible for full retirement benefits |
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Retired participants actively re-employed with the State |
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Retired participants eligible for RMBA reimbursements |
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Survivors and beneficiaries of retired participants eligible for RMBA reimbursements |
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Note: Active employees hired before Mar. 14, 2026, who are eligible for the RMBA, who are not eligible for additional contributions, that take the default option and are on long-term disability at the time of the one-time credit to the members’ Hoosier START account (in early 2027) may be impacted differently. Please contact your HR Director during Open Enrollment for assistance if you believe that this situation may be relevant to you.
Education Opportunities
Employees will have many opportunities to learn about the RMBA and consider their options. A secure balance look-up database, "Your RMBA Balance", is in development and will be available before the 2026 Open Enrollment period begins. Education opportunities include:
Required
Required education assigned through SuccessFactors, including an acknowledgement of employee responsibilities
In-person education
Formal presentations as well as Q&A time with INPRS Retirement Services Consultants and Hoosier START staff.
Virtual education
Pre-recorded webinars as well as live virtual events with office hours.
One-on-one appointments
Virtual and in-person appoints with INPRS Retirement Services Consultants.
Retired RMBA Participants
The changes outlined in Public Law 104 will not impact retired participants or their survivors/beneficiaries.
As a qualified retiree of the State, you are eligible to receive benefits from this plan. Depending on the conditions and limitations described in the plan, you will be reimbursed from your Reimbursement Account for Qualifying Expenses incurred by you and/or your Covered Dependents.
Key Benefit Administrators (KBA), INPRS’s claims administrator for the Retirement Medical Benefits Account, recently updated their online claims system to provide you with a better claims experience.
Please contact KBA directly at 800-558-5553 or FlexPro@KeyBenefit.com for questions related to your claims or individual account access. All other questions about RMBA administration, plan rules, and the administrative review process may be directed to INPRS at 844-464-6777.
During your first visit to the new website, follow the prompts to verify and set up your new account. If you need assistance at any time, KBA is ready to help you.
Login to the Wex Website
FlexPro site access is available 24 hours a day, 7 days a week. If you have a retirement medical benefits account, you can review it online for pending or ineligible transactions.
Contact the plan administrator, Key Benefit Administrators
By Phone: (800) 558-5553 or (317) 284-7150
By email: FlexPro@KeyBenefit.com
Active Member RMBA Participants
Active State Employees eligible for the RMBA and hired and began employment before March 14, 2026, will be impacted by Public Law 104.
This legislation terminates the existing RMBA plan as of December 31, 2026. During the State’s Open Enrollment period, active state employees will be given the option to either transfer their entire existing balance to a newly created 2027 RMBA plan or receive a one-time non-matching employer contribution from the State into their Hoosier Start 401(a) account. The one-time contribution will be calculated based upon one’s continuous years of service and age during each respective year and should be the equivalent of one’s RMBA contribution balance, minus earnings.
Please note: Active employees that had 15 years of applicable service or were an elected official with at least 10 years of service as of June 30, 2017, are not eligible to make an election and will be auto-enrolled in the new 2027 RMBA.
The one-time contribution will be calculated based upon one’s continuous years of service and age during each respective year and should be the equivalent of one’s RMBA contribution balance, minus earnings.
INPRS is currently working to confirm specific benefit amounts for all impacted employees and will be communicating next steps in collaboration with INSPD prior to the open enrollment process in Fall 2026.
Login to the FlexPro Website
Members who are currently working in a RMBA eligible position can login to see the contribution made on their behalf. New users can follow the instructions in the Wex portal for setting up an account.
Wonder if your position is eligible? click here.
Contact INPRS's Member Advocate Team
By Phone: (844) GO-INPRS, or (844) 464-6777
By email: questions@inprs.in.go
