Hello Schulzes,
Yes, you can contribute to a health savings account, because you are the individual account owner and not on Medicare, you can still contribute to your HSA. You do not have to have a job or earned income from employment to be eligible for an HSA – in other words, the money can be from your own personal savings, income from dividends, unemployment, etc. You have to be enrolled in a qualified high deductible health plan (HDHP). Once either spouse enrolls in Medicare, that spouse can no longer
contribute any funds, including catch-up amounts, to his or her Health Savings Account.
See IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans
So if you meet these requirement and are able to put money in your HSA account, that's great. Of course, you will be saving tax dollars on that money.
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