Thank you so much for the clarifying in such details.
I have had only family HDHP via parent for since 2018. So, for 2020, I have family HDHP for the entire year. I can contribute my own HSA account for $7100 since I am on family plan & no last month rule apply.
In 2021, when i turn 26 in May - so i would have 5 month of family HDHP and let's suppose i get a HDHP starting in June 2021 - how would i figure out my HSA contribution for 2021. Is it 5/12 of 7200 + 7/12 of 3600?
Thank you so much for your time and thoughtful answers.
Alice
