Actually, based on what you entered for 2022 above, the last-month rule will be triggered for December 2022 (that is, TurboTax will calculate your annual HSA contribution limit based on the maximum amount, not pro-rated by the number of month you were covered). However, it may not make any difference, if you maintain HDHP coverage, as you say you will in 2023.
You will not be affected by any penalty for the last-month rule, until the following year. Thus as you do your 2022 return, you are being referred back to 2021 (because you did not have HDHP coverage for each month in 2022), and on your 2023 return, you will be referred back to 2022 if you don't have HDHP for each month in 2023.
However, when you do your 2023 return, you should not see this last-month rule interview because you had HDHP coverage (at least you expect to) all year.
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