topic should I sign up for Medicare in Deductions & credits

should I sign up for Medicare

ADRIAN1957 — Wed, 11 Feb 2026 06:54:21 GMT

I am 66 years old and when I turned 65 started to sign up for Medicare

My wife has a Family plan that covers me and also an HSA account. When I was signing up it mentioned if I was covered by an HSA account I could not sign up for Medicar. Is that true

Re: should I sign up for Medicare

Bsch4477 — Sun, 03 Mar 2024 16:45:59 GMT

It’s the other way around. If you’re on Medicare you can no longer contribute to your HSA.

Re: should I sign up for Medicare

ADRIAN1957 — Sun, 03 Mar 2024 17:22:36 GMT

ok so that means I am better off skipping Medicare and staying on my wifes plan with teh HSA. She is 14 years younger than me and I will probably retire in a year or two while she has about 10 years to go before taking early retirement.

Re: should I sign up for Medicare

Bsch4477 — Sun, 03 Mar 2024 17:30:10 GMT

In some circumstances there is a penalty for delaying Medicare. I suggest that you call Medicare and explain your situation to avoid any future surprises.

Re: should I sign up for Medicare

xmasbaby0 — Sun, 03 Mar 2024 17:50:24 GMT

@ADRIAN1957

Here is some information on delaying enrollment in Medicare:

https://faq.ssa.gov/en-us/Topic/article/KA-02995

Re: should I sign up for Medicare

ADRIAN1957 — Tue, 05 Mar 2024 23:49:42 GMT

Very Helpful Thanks

Re: should I sign up for Medicare

dmertz — Thu, 07 Mar 2024 12:42:19 GMT

You being covered by Medicare has not effect on your wife's eligibility to contribute to her HSA. It only affects your eligibility for you to contribute to your own HSA.