Level 2

MSA QUALIFICATIONS

Forum|Forum|5 months ago
January 7, 2026
2 replies
8 views

Lacerte (in line instructions state HSA contributions are not allowed once one is ELIGIBLE for Medicare.

IRS includes the statement "AREN'T ENROLLED" in medicare" as a qualifying factor.

Need help in which one to follow...

Level 15

HSA is not allowed even for people who are enrolled only in Medicare Part A, which is free. It's rare for someone who turns 65 not to sign up for Part A, although many people defer enrolling in Part B because they have equivalent coverage from an employer plan.

sjrcpa

Level 15

@GRRA What's your source for "IRS includes..."?

The more I know the more I don’t know.

BobKamman

Level 15

The source is probably IRS Pub 969, which doesn't explain (because it's written by people too young to worry about Medicare) that "enrolled in Medicare" means any part of Medicare -- not just B, but A. And the Code section itself doesn't state "enrolled," it states "eligible" and "entitled:"

Section 223(b) (7) Medicare eligible individuals

The limitation under this subsection for any month with respect to an individual shall be zero for the first month such individual is entitled to benefits under title XVIII of the Social Security Act and for each month thereafter.

sjrcpa

Level 15

@BobKamman Thanks. That's what I thought.

@GRRA IRS Publications are not authoritative. As illustrated here sometimes they are wrong.

The more I know the more I don’t know.

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