If you switch to a non-HDHP plan beginning November 1, you will have been eligible for 10 months of the year. Allocating all of the regular family contribution limit to your contributions, your maximum contribution for 2024 will be 10/12 of $9,300 = $7,750. You have until April 15, 2025 to complete the contributions via personal contributions. If your spouse is over age 55 in 2024, your spouse can also contribute 10/12 of $1,000 = $833.33 to your spouse's HSA (not to your HSA) via personal contributions).
There is no testing period. You are not using the last-month rule and are not making an HSA funding distribution from an IRA for which there would be a testing period.
You can use distributions from the HSA to cover any qualified medical expense. Qualified medical expenses are those for you, your spouse or your dependents which are incurred anytime after the establishment of the HSA. In general, the HSA is established upon the first permissible deposit into the HSA. You do not have to have an HDHP to make distributions from the HSA to cover qualified medical expenses. (Note that your COBRA payments are qualified medical expenses should you choose to cover those with distributions from your HSA.)
This answer has been verified for accuracy by an Intuit expert employee
