> Now that I think about it, all that matters is that you have HDHP coverage on December 1st; after that, if you start Medicare in the middle of the month, it won't matter to your HSA contribution limit, so long as you had the HDHP coverage all 12 months.
So, since I had HDHP coverage all 12 months of 2020, I can keep my full year's contribution in the HSA, even if I (re)apply for Social Security (and therefore Medicare) in (say) April? Or do I need to wait until July to apply, to avoid HSA contribution conflict? (I think I can get my Social Security back-dated to my birthday.)
