Thank you for the clear explanation. Please clarify one more situation please. I am older than my spouse and will not be able to contribute when I begin Medicare. Please confirm what it will look like that year (the year I turn 65) and my spouse is still 63, use 2020 numbers for illustration. My thought is that since we will no longer have a family plan that year, I will be able to contribute 0$ and my spouse will be able to contribute $4600, is that correct? I turn 65 on Nov 30, 2026. It might be better for me to start Medicare 1 month later, 2027, so I we can have a family plan all of 2026. But I think I should probably plan on no HSA contribution in 2026, to ensure all requirements met, including HDHP. Thank you.
