Hello @Opus 17 .
Thanks for the clarification.
I am relieved that, no changes are needed for this tax year. I was doing the calculations based on enrollment date, but IRS does consider max contribution limits within those enrollment dates. This was new for me.
Mostly my employer will not incentivize me for skipping health insurance, but I will get clarification.
Reg. my wife's insurance - Yes, I was requesting my name to be removed during enrollment period, but they still turned me down.
I need to certify each year for opting HSA benefits, so I am just skipping the hassle of HSA and planning to waive Health plan benefits. So I will get same amount in hand after taxes.
Thanks again.
TnR,
PRS
