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I'm Still Working at 65. Do I Need to Sign Up for Medicare?
When Should I Stop HSA Contributions Before Enrolling in Medicare?
Once you’re enrolled in Medicare, you can no longer contribute to an HSA. If you enroll in Medicare after age 65, Medicare Part A coverage can be retroactive for up to six months. Medicare recommends that you and your employer stop HSA contributions six months before you retire or apply for Social Security or Medicare benefits to help avoid potential tax consequences.
Example:
Suppose you’re 67, still working, and contributing to an HSA. You plan to retire and enroll in Medicare in July. Because your Medicare Part A coverage could be retroactive for up to six months, you may need to stop HSA contributions six months before your Medicare enrollment. Planning ahead can help prevent HSA contributions from being made for months when Medicare coverage is considered effective.