@JayFH58 wrote:
SS signed me up for Medicare and back dated it to April and I have been contributing all year. Can you opt out of Medicare? I plan on continuing to work and have good insurance HDHP and my company matches.
You can carry part A and your company plan, unless your company has a policy preventing it. It's just that your HSA contributions are limited for this year and disallowed in the future. There is a procedure to remove the excess HSA contributions without penalty.
Even if you can opt out of Medicare once started, I don't know if that would be retroactive, allowing you to remain eligible to make HSA contributions. That would require expert knowledge above my level, and may not be worth the audit risk. Just take the money you would have invested in the HSA and put it in a Roth IRA or into your 401k instead.
