Please clarify the following:
1. What coverage did each of you have for which months? Yes, month by month
2. In which month did you get covered by a Family HDHP policy?
3. Were you over 55 all year? (the $1,000 "bump" gets prorated based on the number of months).
4. How many HSAs did you have (each of you may have one)?
5. "so the max contribution should be 4650, " - this is not true if you have Family coverage for even one month, and which month it is can make a big difference (see #2).
@jazimmer26
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