The answer
Can I contribute to an HSA if I have Medicare?
No, you cannot contribute to a health savings account (HSA) once you have any part of Medicare, including premium-free Part A (hospital).
An HSA is a tax-advantaged account paired with a high-deductible health plan, and IRS rules say enrollment in any Medicare coverage ends your eligibility to make new contributions. This catches many people who keep working past 65, because if you sign up for Social Security, you are usually enrolled in Part A automatically, which stops HSA contributions. You can still use money already in your HSA for qualified expenses; you just cannot add more. People who want to keep contributing sometimes choose to delay both Social Security and Part A while they keep working. To plan the timing so you do not lose contributions by surprise, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.