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Why is my request improper? Are you 100% sure that my wife who is enrolled in Medicare Part A since October 2023 and she is older than 65, can still contribute to her HSA, because her contributions are within allowable limits? So basically it means, that she can still contribute in 2024 because her contributions are lower than allowable limit, this is not what her HSA custodians and all those articles say. Even if your claim is true, I still haven't heard any solution to this problem, and this is my main question and concern. First, you told me to amend the 2023 return and then that you think I won't be able to do that.  I'm not a TT pro but I understand taxes and that's why I came here, I'm here for advise how to solve this not to argue who is right or wrong. I'm trying to find the best solution to this. Thank you,