How Much Can I Contribute to My HSA on My 65th Year?

When it comes to contributing to your Health Savings Account (HSA) on your 65th year, there are specific rules and limits you need to be aware of. At age 65, you can no longer contribute to your HSA if you are enrolled in Medicare. However, if you are not enrolled in Medicare, you can continue contributing to your HSA just like you did before reaching this age.

Here are some key points to consider:

• If you are enrolled in Medicare:
• You are no longer allowed to make contributions to your HSA once you turn 65.
• If you are not enrolled in Medicare:
• You can continue making contributions to your HSA, up to the annual contribution limit set by the IRS.
• For individuals aged 55 and older:
• There is an additional catch-up contribution limit allowed by the IRS, which is higher than the standard contribution limit.

It's essential to understand these rules to make informed decisions about your HSA contributions as you approach age 65.




As you celebrate your 65th birthday, understanding the nuances of your Health Savings Account (HSA) contributions is essential. If you're enrolled in Medicare at this age, the rule is clear: you can no longer contribute to your HSA. However, for those who are delaying Medicare enrollment, contributions can continue just as before, subject to the IRS limits.