My wife's employer provides our medical coverage which includes an HSA.  She turns 65 in July and will continue working for the next few years.  It is our understanding she will be enrolled automatically in Medicare Part A on her birthday, which is fine since our health coverage is through her employment.  But there is a question if we can keep and contribute to her HSA once Medicare signs her up.  Her employer adds a percentage to her monthly withdrawls to her HSA and we don't want to loose that additional infusion of money, nor the pretax savings toward medical.


As she will not be signing up for any additional Medicare until she retires, how do we make sure we can keep the HSA?  



Once someone is eligible for Medicare, they become an ineligible person for HSA contributions.  Check out the IRS publication on HSAs - it is pretty clear.  There are penalties for overcontributing to an HSA.