topic HSA Contributions in Deductions & credits

HSA Contributions

crevitch — Tue, 10 Mar 2026 07:21:32 GMT

My wife is eligible to contribute to an HSA as she is covered by a high deductible cobra plan. She will be covered by Medicare as of June 2023, the month she turns 65. Is she eligible for HSA contributions through May 2023?

Re: HSA Contributions

Critter-3 — Thu, 15 Dec 2022 15:21:25 GMT

Yes but the contribution will be limited.

https://www.wellesley.edu/sites/default/files/assets/departments/humanresources/files/benefits/hsa_and_medicare_1.pdf

Re: HSA Contributions

crevitch — Thu, 15 Dec 2022 15:26:15 GMT

Thank you. Other than pro rating by the number of months eligible, are there any other limits

Re: HSA Contributions

Critter-3 — Thu, 15 Dec 2022 15:39:41 GMT

nope

Re: HSA Contributions

NCperson — Thu, 15 Dec 2022 17:08:57 GMT

@crevitch simply, the maximum contribution she can make is 5/12 * $4850 (I am assuming Single +1000 for being over 55), so that is $2020 (you need to round down) that is her 2023 limit.

it doesn't have to be contributed by May, it can be paid as late as April 15, 2024 (tax filing deadline)