Thanks. I agree professional advice is best in these situations. And I've discussed with my financial advisor who wasn't sure about it. However your advice corroborates everything I've read online and my personal interpretation of the IRS rules: https://www.irs.gov/publications/p969#en_US_2021_publink1000204049
Mainly I guess I was just looking for some confirmation of what I'm interpreting. I appreciate your point about using the 7300 limit under the last month rule but then if I'm dropped from a family plan in 2023 then I'd have to withdraw some I take it or pay a penalty. Might just stick with the single limit for 2022 then to be safe.
