Individuals can use their Health Savings Accounts to pay for their spouses' Medicare premiums, according to the American Association of Retired Persons. The Internal Revenue Service prohibits employees from contributing to an HSA if they are enrolled in Medicare, but account owners can spend from the account until it's depleted.
Employees who are 65 or older and eligible for Medicare can continue contributing to an HSA if they don't apply for Medicare or Social Security benefits. While the IRS restricts when employees can contribute to an HSA, the rules don't apply to spouses, notes AARP. For example, a 63-year-old woman can contribute to her HSA and use the funds to pay medical expenses for her 67-year-old, Medicare-eligible husband.