@BrannonK
It actually doesn’t matter. If you were covered by an eligible HDHP on December 1, 2020,you can use the “last month rule” to contribute up the the yearly maximum as if you had been covered by an eligible plan all year. ($3550 if a self-only plan). However, you must remain eligible for all of 2021. If you lose eligibility before 12/31/2021, then your 2020 contributions become ineligible as well.
