@BillM223 - sorry but this is NOT accurate...it has nothing to do with the FRA; it has to do with the applicant's age at application. FRA is a Social Security concept and has nothing to do with Medicare.
Eligibility to contribute to the HSA ends six months prior to the month you are enrolled in Medicare, but no further back than the month prior to turning 65 years old.
here is one article that discussed the lookback.
https://www.journalofaccountancy.com/issues/2021/jul/medicare-rules-on-hsa-after-age-65/
- There is a six-month lookback period (but not before the month of reaching age 65) when enrolling in Medicare after age 65, so a best practice is for workers to stop contributing to their HSA six months before the month they apply for Medicare to avoid penalties. Note that the month of application is what is used to calculate the six-month lookback, not the month the applicant wishes to begin benefits. See the examples below for more on this.
