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You can't fund an HSA for any months in which you had Medicare insurance.
You can't fund an HSA for any months in which you had Medicare insurance.
If you are enrolled in Medicare in 2018, you cannot contribute to a HSA even if you had a HDHP and "Medicare is an unused backup".
Please read this document:
https://www.benstrat.com/downloads/HSA-GPS_HSAs-and-Medicare.pdf
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