My husband and I are on my group health plan that has a family HSA. He turned 65 in April 2022. I turn 65 in Feb 2025. I am retiring in April 2024 and my husband will enroll to go on Medicare on May 1, 2024. We will both have group health insurance through on my group health plan until April 30, 2024. He will enroll for Medicare through a Special Enrollment Period. I think there is a 6-month look-back period for his Part A Medicare, which means he would be covered under Medicare starting Nov 2, 2023, but I'm not sure. He will be eligible for free Part A.
Can I continue to contribute to my family HSA up until I retire on April 30, 2024? What is the maximum penalty-free contributions that I can make to my HSA in 2023 and in 2024? Do I have to cut back from the family maximum contribution because my husband may have Medicare Part A coverage starting in November 2023?
