Thanks for your reply. This is the first I read that FRA is used instead of age 65 even on the tax forms. My full retirement age is 66 and 8 months which is this month that is why I plan to apply for SS. If FRA is correct, I agree I am good. If not, on the turbo tax forms it asks what kind of insurance I had for each month. I had high deductible for 12 months, but should I say I had medicare too to compensate for the 6 month look back due to me applying for SS this month? If I do take a full withdrawal from my HSA ($656) for any excess, where do I add the little interest (approximately $2-4 --I do not have an exact figure)? Is that under miscellaneous income or not shown on w2 or 1099 form?
