The book "Get What's Yours" says that if I file for my own social security retirement benefit (even early at age 62), then I am automatically enrolled in Medicare Part A and can no longer contribute to my individual HSA. However, in the Q&A it says "You would automatically be enrolled in Part A of Medicare effective 6 months prior to the month you file your application for social security benefits, but no earlier than the month you reach age 65". I plan to file for my retirement benefit at age 62 and have my own retiree medical benefits with an HSA. Since the statement said "but no earlier than the month you reach age 65", can I still contribute to my individual HSA until I'm 65 or do I have to end my contributions (prorating contribution) for the year when I turn 62 and file for social security?

Hi,

Yes. Medicare eligibility can't start prior to age 65 unless you qualify for Social Security disability benefits. So, if you file for Social Security retirement benefits prior to age 65 you won't be automatically enrolled in Part A of Medicare until the month that you reach age 65. You can continue contributing to an HSA until then as long as you are otherwise eligible.

Before filing for reduced Social Security benefits, though, you should strongly consider using our software to explore and compare your filing options.

Best, Jerry