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HSA and Medicare or Social Security application vs enrollment



Signing up for Premium-free Part A later

You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can’t start earlier than the month you turned 65.




HSA and Medicare or Social Security application vs enrollment

@Opus 17 - thank you..... and well written


If the "6 month lookback in action" takes it back to Oct, 2021, then the OP can only contribution 9/12's of his 2021 contribution limit into an HSA  and contribution must have occured prior to filing the 2021 tax return.   


I didn't read Oct , 2021 as the '6 month lookback" initially, but the spirit of the "6 month lookback" has to be considered in any event. 



Level 1

HSA and Medicare or Social Security application vs enrollment

I am married to a 63 year old.  We are both covered under his employer health insurance.   I have requested that the HSA bank back out my half of the family hsa contribution for 2022 and inform his employer - that should be easy.  


I have requested  3 months of the my 2021 half of the hsa contribution back (requested it in July 2022).  What I need to know is how to report that on my taxes and pay tax and penalty once.  Will it appear on the 2022-SA and I report it as a non-medical withdrawal in 2022 tax filing? Or do I file an amended 2021 return. Can I amend 2021 before the original 1040 filing I made in late March 2022 for 2021 is accepted? 


Note to everyone:  when I requested social security, I went to the social security site.  I should have checked the medicare site as well for the rules.  I assumed wrongly that I would not get part A unless I applied for it. 


Thank you everyone who has responded.  It is a real help. 

HSA and Medicare or Social Security application vs enrollment


Who actually owns the HSA? An HSA is not joint, it is owned by a single individual. Eligibility is determined by the age and medical coverage of the owner and not their spouse.


Furthermore, it is too late to remove excess 2021 contributions, if there are any. The procedure to fix the problem will be different.  But if the account is owned by your spouse who is not covered by Medicare, you may not have any excess contributions.  Please confirm who actually owns the account or accounts.

*Answers are correct to the best of my ability at the time of posting but do not constitute legal or tax advice.*

HSA and Medicare or Social Security application vs enrollment

@Opus 17 thank you. you confirm my understanding of how HSA contributions and going on (enrolling in) Medicare interact. in summation, regardless of anything else, a person becomes HSA ineligible the month Medicare goes into effect.  

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