Do those numbers even matter? She contributed in October-November-December 2023 because she didn't know about this 6 month retroactive rule. Now we know she not supposed to make those contributions even if they're within the limit. Her medicare coverage according to the SS administration started in October 2023 (she filed her SS application in April 2024). I was told that she wasn't allowed to make any contributions to her Health Savings Account (HSA) once Medicare Part A (Hospital Insurance) or Part B (Medical Insurance) become effective (October 2023). These would be considered excess contributions. This rule applies to periods of retroactive Medicare coverage. Now, I'm really confused, do we have to file an amended 2023 return or not, even if her contributions for 9 months are less than allowable limit? We already requested those contributions for October, November and December 2023 to be refunded and her HSA custodian said these are considered excess contributions. I want to add, that she is older than 65. @dmertz
