The last month you can put money in an HSA once Medicare starts, and that year's limit.
Covers: hsa medicare, stop hsa contributions, part a retroactive, hsa at 65, working past 65 hsa, six month lookback.
Open the HSA and Medicare Timing tool →Once you are enrolled in any part of Medicare, you can no longer put money into a health savings account. You can keep the account and spend from it; you just cannot add to it. Many people keep working past 65 with a high-deductible plan and delay Medicare for exactly this reason.
The trap is the start date. Premium-free Part A does not start the month you apply. If you apply more than six months after you first became eligible, it starts six months before the month you apply, and it never starts before the month you turn 65. Claiming Social Security after 65 enrolls you in Part A the same way. So contributions you made in those backdated months become excess contributions, even though you were not on Medicare when you made them.
Enter your date of birth and the month you plan to apply, and we show when Part A will actually start, the last month you can contribute for, and that year's limit, which is one twelfth of the annual amount for each month you were still eligible, plus the catch-up for those 55 and older. Medicare counts you as 65 the day before your birthday, so someone born on the first of a month is eligible from the month before.
If you have already contributed for months after Part A starts, withdraw the excess and what it earned before your tax return is due. This does not cover a spouse's own HSA or the rules for the year before an employer plan ends. It is information about published rules, not tax advice.
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