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HSAs Keep Working After Retirement
Retirees cannot contribute to HSAs after enrolling in Medicare – but they can still retain and use the funds in HSAs they previously established. If they don’t use the money in the HSA, they retain it. HSAs are also portable – meaning that when changing jobs or health insurers, the HSA stays with the individual – even when enrolling in Medicare.
HSAs Cover Medicare Gaps
Original Medicare does not cover everything. Many of the gaps left by Medicare are considered qualifying medical expenses under an HSA. These may include:
Retirees May Be Able To Delay Medicare To Maximize HSA Contributions
Late enrollment in Medicare can result in hefty penalties. However, if the individual receives qualifying health insurance through an employer with 20 or more employees, they may be able to delay Medicare enrollment and Social Security benefits without a penalty. This delay would allow them to continue making contributions to their HSA.
Sterling Health Services Administration is an independent, privately held company that specializes in administering health savings accounts (HSAs), health reimbursement arrangements (HRAs), flexible benefit plans (FSAs and transportation benefits), premium only plans (POPs), and COBRA.
Sterling partners with the HSA Store, where HSA participants can save money and time when they shop for HSA-eligible products.
Contact the small group experts at 800.696.4543 or firstname.lastname@example.org.