Medicare open enrollment ends Dec. 7! Get the information you need from AARP’s Medicare resource center.
En español | An increasing number of employers are offering high-deductible health plans with health savings accounts (HDHP-HSAs) to employees. But under IRS rules, you cannot contribute to an HSA in any month that you are enrolled in any part of Medicare — Part A, Part B or Part D. You can draw on funds already in the account, but you can’t add to them. However, there are ways you can get around this restriction and continue contributing to your HSA at work:
Note that the IRS rule applies only to the employee who is contributing to an HSA from pretax earnings. It does not apply to the employee’s spouse, who remains free to enroll in Medicare and use funds in the HSA without triggering tax penalties.
For more information, see the AARP article “Can I Have a Health Savings Account as Well as Medicare?”.
See also IRS publication 969, “Health Savings Accounts and Other Tax-Favored Health Plans”.
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