官方文件：有工作並有HSA可以在65歲時不申請Medicare Part A

If you would like to continue making contributions to your HSA, you can delay both Part A and Part B until you (or your spouse) stop working or lose that employer coverage. You will NOT pay a penalty for delaying Medicare, as long as you enroll within 8 months of losing your coverage or stopping work (whichever happens first).

並不是所有人都必須在65歲申請免費的Part A。實際上，如果你屬於上述情況，申請了反而會被罰款，除非你在申請前6個月就停止contribute。

所有跟帖： 

• HSA是個雙重免稅的特別好的東西，官方解釋鏈接見內 -dudaan- ♂ (204 bytes) () 10/27/2022 postreply 05:28:09

• 減稅三重優惠，該放滿 -虎嗅薔薇- ♀ (0 bytes) () 10/27/2022 postreply 05:43:35

• 那麽因為現在有HSA contribute，工作結束後起碼要等6個月才能申請A & B 以避免penalty？ -AnnYuan- ♀ (0 bytes) () 10/27/2022 postreply 15:22:10

• 如果是“主動退休”，要計劃好，在退休前六個月停掉。如果是被辭退怎麽辦，我不知道 -dudaan- ♂ (0 bytes) () 10/27/2022 postreply 16:04:43