When should I stop putting money in my HSA?

Written by Editorial Team | Last Updated: August 2026

You must stop contributing to a Health Savings Account (HSA) up to six months before you enroll in Medicare, or starting the first month you turn age 65, because Medicare Part A provides up to six months of retroactive coverage. Continuing to contribute during this retroactive window triggers tax penalties for excess contributions. If you delay retirement and enroll in Medicare after age 65, coordinate your contribution end date carefully to align with prorated annual limits and avoid IRS penalties.

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