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Question

Can I still contribute to an HSA after age 65?

Answer

You can contribute to an HSA after age 65 only if you are not enrolled in Medicare and remain covered by a qualifying high-deductible health plan. When Medicare enrollment begins, HSA contributions must stop. In some cases, contributions must be discontinued up to six months before Medicare enrollment because of retroactive coverage rules.

Related FAQs

Do HSA funds expire if I don’t use them?

What happens to my HSA when I turn 65?

Are there risks or drawbacks to using an HSA?
Retirement Tax Planning Retirement Planning Health & Wellness Tax Basics Tax Tips & Tricks Healthcare & Medicare Cash Flow Management Financial Literacy FAQs
Last Updated July 7, 2026
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