Wife’s Medicare bill we received is $845.00

[Speedy]

“paying for/getting reimbursed for Medicare Part B/D and so on through your HSA.”

I thought you were not allowed to use an HSA to pay your Medicare premiums?

That other stuff is interesting. I ignored my involuntary enrollment in Part A and continued to contribute to the HSA. I suspect the IRS is too backed up to care and the HSA is in my wife’s name/SS#. That six month look-back provision could be a problem, though.

[Michael]

Speedy wrote:
“paying for/getting reimbursed for Medicare Part B/D and so on through your HSA.”

I thought you were not allowed to use an HSA to pay your Medicare premiums?

That other stuff is interesting. I ignored my involuntary enrollment in Part A and continued to contribute to the HSA. I suspect the IRS is too backed up to care and the HSA is in my wife’s name/SS#. That six month look-back provision could be a problem, though.

Our HSA is in my name but I made family contributions. So, from the IRS perspective we both have HSA coverage and Turbotax generates a Form 8889 separately for each of us. I was on Medicare a year before my wife was and so she didn't have any family contributions credited to her before she went on Medicare, so she's fine. Turbotax asks about HSA contributions and there's a worksheet in my Turbotax file that allows for monthly checkboxes for HSA contributions and also asks about Medicare enrollment. I don't specifically remember but I'd bet that I told Turbotax that I didn't have an HSA contribution in Dec 2018 in that last month when the 6 month look back was relevant. If you do your own taxes I'd imagine you answered that question and the program (I'm assuming all the tax programs ask the same questions re HSA and Medicare) dealt with it. But, I dunno, of course...

You can get reimbursed for Medicare Parts B and D as well as Medicare Advantage using HSA funds. For some reason you can't pay for Medigap programs with it. Here's what AARP says:

Even after you enroll in Medicare and stop HSA contributions, you are still able to withdraw funds tax-free for qualified medical expenses. You can even use your HSA to pay for some Medicare expenses including your Medicare Part B, Part D and Medicare Advantage plan premiums, deductibles, copays and coinsurance. https://www.aarpmedicareplans.com/medica...icare.html

The IRS details it in Publication 969.

[Speedy]

Michael, very interesting and I learned something new. Thank you!