The usual response would be back to when you turned 65 (i.e., 9/25); HOWEVER, the excess HSA contributions are calculated on an annual basis; that is, if in each month you contributed only half of the 1/12th of your contribution limit, you could well not need to withdraw anything at all.
That is, while it says when you go on Medicare, you can no longer contribute to your HSA, that is not literally true.
Instead, calculate 8/12ths times your Self or Family contribution limit, and compare this to what you actually contributed (all year). If your prorated rated contribution limit is more than what you actually contributed, then you don't need to adjust anything.
Please come back if this does not make sense.
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