For lifestyle-driven factors like diet or weight, the change is more of a slow burn
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For people who are either retired, self-employed, or whose employers don't offer health insurance beyond age 65, and who can't be covered under a spouse's employer-provided plan, Medicare really is the only option for health insurance after age 65, meaning that for those groups, turning 65 effectively drops the curtain on eligibility for HSA contributions
Genes 14(3):754 Sun H, Warren J, Yip J, Ji Y, Hao S, Han W et al (2022) Factors Influencing Gallstone Formation: A Review of the Literature
Less mental load, easier to stay on track
(2002):Cd001520