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However, you can continue to use your HSA for qualified medical expenses and for other expenses for as long as you have funds in your HSA. Loss of Eligibility in Month You Turn 65. You lose eligibility as of the first day of the month you turn 65 and enroll in Medicare. Example.
This contribution can be made until the HSA contribution deadline, which is generally April 15, of the following year. Complicated Rules Call for Expert Advice. After you reach age 65, your HSA continues to offer big tax benefits, including some expanded possibilities for tax- and penalty-free distributions.