HSAs and Medicare: Why You Stop Contributing 6 Months Early, and How to Fix Excess Contributions
From the first month you're in any part of Medicare, premium-free Part A included, your HSA limit is zero. Apply after 65 and Part A reaches back up to 6 months, turning those months' contributions into excess. Withdraw the excess and its earnings by your tax-return due date, including extensions, to avoid the 6% excise tax.
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