I went on Medicare in oct 2025. I thought I couldn't make any HSA contributions less than 6 months before enrollment (which would be April). Well, I did NOT make any HSA contributions early in the year, so I interpret that I lost the opportunity and can't put it in now (before filing 2025 tax return). But working through TT, I fill in the page that says I was on HDHP family plan 9 months, and Medicare 3 months. Then the button says "calculate your maximum contribution". and it calculates and reports back $7163. how can that be? The maximum is $4300 + $1000 = $5300, AND what about the 6 -month limit? Why is TT saying I can contribute $7163?
To continue, worked through the wife's info, who was on our family plan for 9 months, then individual plan for 3 months. "calculate your maximum contribution" then says ... $7163. How and why? And, suspiciously, when I click "calc max.." for me, the page with the answer has my name on the top. For my wife, the page has her name at the top when I enter the monthly coverages, but when I click the "calc max" button, the table changes to MINE, with my name at the top.
Please help.
