No, if your coverage stopped in 2024, the 2023 would not be considered excess and you would not add that to 2024. You will only make adjustments to 2023 if your coverage was changed in 2023 and you did not have the HDHP at the end of December 2023.
@fr_10
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
