If I open a HSA my employer will contribute $1000 yearly, but I am not supposed to contribute to an HSA because I have Medicare Part A.
What is the penalty for contributing to an HSA when you have Medicare? Would I only have to pay regular taxes plus the excess contribution tax on any contributions? Would this cause problems for my employer in any way?
Also, my spouse is eligible for an HSA, but my employer won't do payroll deductions automatically to his account, and I also wouldn't receive my employer contribution. Is it possible to simply receive funds in my HSA even though I am not eligible, and then transfer them to his HSA to avoid any penalties?