@NCperson wrote:
Also, be careful, if you are contributing to an HSA, those contributions need to stop 6 months before you are first eligible for Medicare (which sould like could be July 1 for you).
I have to jump in and amend this one point.
I person become ineligible to contribute to an HSA when they enroll in Medicare. It is true for this taxpayer (who says they are 67) that when they enroll in Medicare, their enrollment will be backdated by 6 months, meaning their disqualification to contribute to an HSA will also be backdated.
However, for other people reading this, it is not universally true that a person always becomes HSA ineligible 6 months before Medicare. If you enroll in Medicare from 3 months before your 65th birthday to 6 months after your 65th birthday, your enrollment will be effective on the first day of the month containing your 65th birthday, and that's when you become ineligible to make HSA contributions.
