topic HSA Contributions in Deductions & credits

HSA Contributions

dket — Mon, 09 Mar 2026 10:31:59 GMT

My wife and I are retired and contributing the max HSA contributions ($7300) for 2022. We do have a qualifiedHealth Insurance Plan for HSA. The issue is in September I go on medicare. Am I allowed my whole $3650 or do I need to not contribute for the last four months. As a married couple she will still have the HSA Health Insurance plan going forward. Are we then limited only for her $3650 per year

Re: HSA Contributions

LeonardS — Fri, 15 Apr 2022 13:25:37 GMT

No, you can not make any more contributions to your HSA once you're enrolled in Medicare, your HSA will continue to provide tax-free funds to cover medical costs until you use up all the money in your account. You also have the option to use your HSA funds as a regular retirement account after you turn 65. Your wife may continue to contribute $3650 until she goes on medicare.