@Opus 17 - thank you..... and well written
If the "6 month lookback in action" takes it back to Oct, 2021, then the OP can only contribution 9/12's of his 2021 contribution limit into an HSA and contribution must have occured prior to filing the 2021 tax return.
I didn't read Oct , 2021 as the '6 month lookback" initially, but the spirit of the "6 month lookback" has to be considered in any event.
