This is contrary to advice I got as I prepared for retirement, planning to start Medicare for health coverage as of July 1, 2023. The advisor told me about lookback or backdating - if I stop HDHP coverage as employee, and start Medicare Part B coverage, there's some strange policy detail that applies, automatically applying Medicare Part A coverage to me as of Jan. 1, 6 months prior.
It is an obscure rule. I had trouble getting my company benefits to support and understand. The benefits and retirement documentation did not describe this situation. Now, as I use Turbo Tax on my PC, it is not clear how to deal with this case. Under column titled "Type of HDHP Coverage", it accepts my entry of 'Family Plan' for Jan - June and other data entry pages imply I could have contributed to the HSA for that time period.
I am inclined to take advantage of the obscurity, and make contributions before April 15 as you described.
But, maybe some auditor will notice and penalize those contributions because of Part A lookback / backdate.
Suggestion: Somebody on TurboTax staff address this obscure issue, and clarify this on data entry pages.
