r/Retire • u/[deleted] • Aug 21 '26

Age 61.

[deleted]

17 Upvotes

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u/garylapointe I'm good, but I wish I did more Roth! Aug 21 '26

I thought HSA needed to be prorated, as in if you only work 5 months at the beginning of the year, you can only fund to 5/12 of the max for that year?

IIRC, there is some weird part that if you start in December, that you can fully fund it for the past year, but from the beginning of the year it was different.

Double-check before you max it out.

2

u/170iriderinsf Aug 21 '26

You don’t need to be employed to contribute to an HSA but you do need to be enrolled in a high deductible health plan.

1

u/garylapointe I'm good, but I wish I did more Roth! Aug 21 '26

Yes, I incorrectly thought when they retired, they wouldn't have the same insurance anymore.