I started out 2021 under a family HDHP through my employer. The combination of my employer's and my contribution to my HSA was $3508. In May I qualified for Medicare due to a disability. My family and I continued to be covered by the HDHP through yearend, but for me only, Medicare become primary on 5/12/2021 (Medicare technically says it kicked in retroactively to 2/1/21, but it didn't become primary until 5/12). My contributions to the HSA stopped after 5/12. In the Easy Step questions I have answered yes to being covered by Medicare in 2021 and, per the directions to answer "none" if you were covered by both an HDHP and Medicare, I have checked off "family" for Jan-April and then "none" for May-Dec. This is generating a HSA maximum contribution of $2400 and therefore an excess contribution of $1108. I am avoiding the extra 6% penalty by committing to withdrawing the $1108 by 4/18/22, but I'm still owing an additional $451 vs if I select family for the entire year (technically the maximum contribution exceeds the $3508 once I select family through June). Am I correct that I have to answer "none" from May-Dec (pay particular attention to May, which was split) even though the HDHP continued for my family (and me as secondary) through year end? Note that answering it this way is triggering a question "Did your HDHP coverage lapse in 2021 due to disability?". I have answered "yes", but am confused since the HDHP didn't actually lapse, it just changed who was primary for me only. Am I correct to answer "yes"?
