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Response to The Prune - Thanks for your research and insights on Medicare policy and probable motivation. It's good that this policy exists for those in the situation you describe, no argument there! However, this may be a case of unintended consequences. For those in our situation who get no benefi...

My wife and I are both over 65. We contributed to a HSA under my wife's employment (high deductible health insurance plan) until the last month she worked. We understand you can do this as long as we didn't apply for any SSA monthly benefits or any Medicare coverage (we didn't). However, when we app...