@MarkK55
There is a 6 month look back, but you or the planner are confused on how it works. If you enroll in Medicare any time from 3 months before your 65th birthday, to 3 months after your 65th birthday, your enrollment is effective on the first day of the month in which you turn 65. If you enroll more than 3 months after your 65th birthday, your enrollment is effective on the first day of the month 6 months prior to your application (except that your enrollment will never be before your 65th birthday).
So my answer above discusses your enrollment date, which is correct. What you need to determine is what your enrollment date was, based on your specific facts. If you enrolled during the normal enrollment window, and your 65th birthday was in July 2023, then your enrollment was effective on July 1, 2023 and you may be eligible to make HSA contributions for for Jan-June. However, if you had delayed your enrollment past your 65th birthday, then it may be that your effective date was January 1. That information should be on your Medicare card and in any letters or documents they sent you when you enrolled.
