I believe turbotax is incorrectly applying the last-month rule to my refund.
My wife and I were eligible individuals for all of 2018. I had Self HDHP coverage from Jan - Aug 2018. My wife had Self HDHP coverage under a separate plan from Jan - May 2018. We had a child in June and the baby was added to my wife's HDHP plan. So, she was covered under a Family HDHP from June - Aug 2018. Then, she retired from her job and both her and my son were added to my HDHP plan for the remainder of the year, Aug - Dec 2018.
I contributed the individual maximum to my HSA for 2018 of $3450. My wife contributed $2465 to her separate HSA account. Now turbotax is applying the last-month rule to my return because in 2019 we switched to a Low Deductible plan in August 2019. I understand that, under the last-month rule, you are required to maintain an HDHP for the following 12 month "testing period." But this should be irrelevant, given that we did not utilize the 12-month rule. Instead, we were simply eligible individuals for the entirety of 2018. Am I missing something?
