When doing taxes (married filing jointly) for tax year 2025, each spouse has individual HDHP. The wife is employed for 8 months and contributes $2866 to her HSA. The husband is employed all year, contributes $4300 to his HSA. In May 2025, they have a dependent child and husband changes his HDHP to family coverage. What is the max contribution that is allowed for them in 2025? Cannot use last-month rule as husband will not be able to continue coverage till Dec 2026. Please advise, thanks!
