官方文件：有工作并有HSA可以在65岁时不申请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).

并不是所有人都必须在65岁申请免费的Part A。实际上，如果你属于上述情况，申请了反而会被罚款，除非你在申请前6个月就停止contribute。

所有跟帖： 

• HSA是个双重免税的特别好的东西，官方解释链接见内 -dudaan- ♂ (204 bytes) () 10/27/2022 postreply 05:28:09

• 减税三重优惠，该放满 -虎嗅蔷薇- ♀ (0 bytes) () 10/27/2022 postreply 05:43:35

• 那么因为现在有HSA contribute，工作结束后起码要等6个月才能申请A & B 以避免penalty？ -AnnYuan- ♀ (0 bytes) () 10/27/2022 postreply 15:22:10

• 如果是“主动退休”，要计划好，在退休前六个月停掉。如果是被辞退怎么办，我不知道 -dudaan- ♂ (0 bytes) () 10/27/2022 postreply 16:04:43