HSA Contributions

[ctransom]

I am turning 65 on 12/20/23.  I recently signed up for Medicare and it will start on 12/1/23.  I have contributed $4400 as of 10-31-23.  I am married and I would like to contribute  the maximum to my HSA while I still can.  Can I contribute the maximum by 11-30-23 and use this as a tax deduction for this year?

[tagteam]

I'll page @dmertz, but I believe you need to stop contributions once you enroll.

[Mike9241]

you have told us nothing about your spouse - his age?, covered by medicare?, has his own HSA?, covered by HDHP? type of HDHP you have self-only or family.? 

however, for self-only coverage, you can only contribute 11/12 of the max for 2023. the max is $4850

 so 11/12 would be 4446.

[dmertz]

You have until April 15, 2024 to make the contribution for 2023, but as others have said your contribution is not permitted to be more than 11/12 of the regular annual maximum.