It depends on when you turned (or will turn) 65. If you qualify (see below), you have just a few days to do it (before April 15th).
You MUST tell the HSA custodian that the contribution is for 2024, or else they will mark it for 2025.
Note that despite the language of the IRS and many websites that suggests that you cannot contribute to an HSA once you are on Medicare, in fact, the annual HSA contribution limit is calculated on an annual basis, and the contributions are not dated.
So if there was no Medicare coverage from January through April, you can contribute one-third of $8,300 (plus one-third of $1,000 since you are presumably 55+)...as I said, before April 15th.
As for the 6-month look back, it depends on when you turn 65. If you start Medicare before you turn 65, there is no lookback. The lookback happens only when you start Medicare after you turn 65, in which case, the lookback is from the date you start Medicare back to your 65th birthday, but the lookback is never more than 6 months.
"You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back fro...."
So if you signed up for Medicare in your 65th birthday (May), then there is no lookback, so there would be no conflicting coverage for an HDHP or to contributing to an HSA in the months prior.
[Edited 4/10/2025 | 7:55 PST]
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