Once you enroll in any part of Medicare, you can no longer contribute to a Health Savings Account (HSA). And when you enroll in Part A after 65, coverage is usually backdated up to 6 months (but never before your 65th birthday). To avoid a tax penalty, most people stop HSA contributions 6 months before their Medicare/Part A start date. Enter that date to see when to stop.
This is general education, not tax advice. HSA rules are set by the IRS and your situation may differ — confirm with a tax professional before you stop or change contributions.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
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Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.