My husband and I are both employed, but we have always enrolled under the health insurance plans offered by his employers. In the beginning of 2019, my husband and I were in rolled in a health plan with his employer and also had an FSA that we contributed to. In May, my husband changed employers and in June we became eligible and in rolled in his employers family HDHP coverage and he enrolled in the offered HSA. We are still enrolled in that plan. We made contributions to the HSA in 2019 up to the family-coverage limit of $7000. Now we are concerned that we have an excess contribution since he was only employed and eligible for June-December. The Last Month rule is confusing and we are not sure if it applies because we had other coverage during the first 5 months of the year. Any guidance would be much appreciated!
