Unfortunately for 2022, I signed up an HSA, even though I was 65 and had enrolled in Medicare A the previous year. (This restriction was not at all made clear during my company's open enrollment process.) So, I have been contributing to the HSA for the entire year of 2022, even though I was 66 for most of it. I have not renewed the HSA for next year, but for 2022, is the best plan to just go ahead zero out the HSA account? A separate debit card for health related expenses was sure nice, but something that I live without. On the other hand, if I'm going to pay a penalty either way, I could just leave the money already in the HSA and just spend it down.
I've tried reading the rules on this, but it quickly turns into "blab, blab, you're screwed, blab, blab", so a Yes or No answer would be appreciated. If you can't give me that, please point me to a definitive source of information.
