You have posted about this a number of times. You should really keep all your followup questions under the same original post because, if I want to really understand your question, I now have to go back and read several prior discussion. I'm not sure I want to do that, if you ask your clarifying question under the same original post as a followup, the same people who replied will be notified of your followup and will have the chance to answer your questions.
I do want to clarify one point
"There is a rule which prohibits any contributions to HSA while enrolled in medicare."
This is factually inaccurate. Medicare enrollment determines the amount of eligible contributions but does not control when they must be made. For example, if enrollment begins October 1 2023, then the person has 9 months of eligibility, and the contribution limit for 2023 will be either $3637.50 (for single HDHP coverage) or $6562.50 (for family HDHP coverage, includes the over-55 catch-up amount). However, that dollar amount can be contributed any time between 1/1/2023 and 4/14/2024, even after Medicare enrollment. What counts is the dollar amount contributed, not when in the year the contribution was made.
