Take control of your brain health with Staying Sharp! Visit today.
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”.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at