@sploosh
I was confused, because I first thought you were talking about turning 65 in becoming eligible for the first time, and then you mentioned the six month look back rule. The six month look back rule only extends your Medicare enrollment backwards six months if you delay from your first eligibility.
If you turn 65 during the month of July 2022, your Medicare coverage will start July 1, 2022. That means you would have six months of eligibility during 2022 to contribute to an HSA, so your contribution limit is 6/12 of $3650 +6/12 of the $1000 catch-up contribution amount for a total of $2325. It doesn’t matter when during the calendar year 2022 you actually make the contribution. It’s the dollar amount that counts, not the exact date of the contribution, as long as the contribution occurs during the 2022 tax year.
