When you first qualify for Medicare you enroll during the Initial Enrollment Period. The Initial Enrollment Period is a seven-month period that starts three months before you are first eligible for Medicare. For example, Mary Doe Jones turned 65 on April 27, 2020. She is first eligible for Medicare starting in April 2020 because she is turning 65. Her initial enrollment period for Medicare starts January 1, 2020 and lasts until July 31, 2020.
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https://account.mymedicare.gov/?client_id=mbp&redirect_uri=https%3A%2F%2Fwww.mymedicare.gov%2Floginc...
irs info 2016-0003
https://www.irs.gov/pub/irs-wd/16-0003.pdf
Under section 223, the amount of the maximum HSA contribution deduction in the year
an individual reaches age 65 is prorated based on the number of months that the
individual is an eligible individual. In particular, the maximum contribution is based on
the number of months that the person in not enrolled in Medicare.
even if she enrolls in Jan 2021 is coverage effective in Dec 2020 talk to medicare
separate or family HSA?
one a/c for family coverage contributions
family 7100 prorated for 11 months = 6508
self 3550 prorated for 1 month = 296
catch up (ovetr 55) = 1000
total 7804
separate accounts
you 3550 for year 3550
you catch up (over 65) 1000
her 3550 prorated 3254
her catch up prorated 917
