I need to clarify some things first.
First, Family is an attribute of your HDHP health policy, not your HSA.
Second, Did your spouse have an HDHP policy during the two months that you did not have the HDHP policy? (Like, a Self-only policy)?
Third, which two months of the year did you not have HDHP coverage (i.e., January, December, etc.)?
Fourth, TurboTax automatically uses the last-month rule - the way you deal with it is to reduce your contributions to what they should have been if you had not used the last-month rule. If we are talking about 2022, then it is too late to reduce your contributions.
Fifth, is your spouse going to have HDHP coverage going forward even after you cease having any HDHP coverage?
Sixth, did you become 55 during 2022, or were you 55 on January 1st?
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