I had a High Deductible Health Insurance Plan from June through December of 2019, while carrying other insurance for the first half of the year while I was in school. I am having trouble understanding the instructions for filling out Form 8889, as I am amending my federal tax return for some other things that I neglected to include. On Line 3, it says to put $3,500 if I carried the high deductible insurance for EVERY month of the year, but the instructions say that if you are an eligible individual on the first day of the last month of the year, you are considered eligible for the whole year. So, do I put $3,500 on Line 3 like Credit Karma automatically did when I originally filed my taxes, even though I only had the high deductible insurance for half of the year?
