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Thanks for the quick reply, Bill! 

 

Husband had HDHP that only covered him (Jan-July)

 

My HDHP covered only myself (Sept-Dec)

 

No HSA contributions made yet.  Wasn't aware I couldn't use "my" HSA to pay his medicare premiums so want to open for him to be able to do so and get the tax break.  No additional contribution to my HSA yet - the last month rule and this "self" threw me for a loop so will do after calculations are made!

 

2019 was the first year we did not have a "family policy" so I've never dealt with this before!  So much appreciate your help!