Can you still contribute to an HSA after retirement? Yes, provided you’re covered by a qualified high-deductible health plan and don’t have Medicare. Related articles How can you contribute to an HSA? Why do you need an introduction to our carrier’s account manager? What if an individual contributes more than their allowed limit during the year? If your spouse has medicare, can you contribute to an HSA? Can you use an HSA to pay for dental expenses and orthodontics?