NC572
I admit to being surprised that you have HHDP coverage but don't have an HSA. If this is true, you are missing out on one of the best tax benefits you can have. In essence, you get a tax discount (equal to your marginal tax rate) for every dollar that you pay put of the HSA for your HDHP deductible.
No, the "What type of HDHP coverage did [name] have on December 1, 2023?" doesn't care if you had an HSA or not.
It only cares if you went through the HSA interview to show what kind of HDHP coverage you had in 2024, and if you used the "last-month rule" in 2023 (this would maximize your annual HSA contribution limit).
Listen, if you didn't have an HSA in 2023, then you made no contributions to it in 2023, so answering NONE is the right answer, because the question is only intended for people who
- made contributions to their HSA in 2023
- had HDHP coverage on December 1, 2023, so used the "last-month rule".
If neither of those bullets apply to you, then the question doesn't apply to you, so answer NONE.
@NC572
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