Deductions & credits

1. The program will ask if you had Medicare, you will answer "YES". Next the program will ask for the type of coverage and if you had Medicare by month. Select Medicare for September through December. The program will determine the treatment of the contributions made Sept-Dec.

The program will tell you what you need to withdraw before April 15, 2025. 

Ask the administer about any earnings attributed towards the excess and withdraw that as well. 

2. Yes, you can still have a HDHP when you also have Medicare

3. No, there is no longer an ability to fund your HSA account. 

You may continue to take distributions from the account until depleted.

You could contribute to a Roth account and get a similar result as contributing post-tax dollars into an HSA (if you could contribute to your HSA, but you can't)