Hi Bill,
thanks for the response.
1. You are right, my HDHP was family
2. my wife's HDHP was a self only policy.
3. I was out of coverage for September and October.
4. The way I read the rule was that you had until your tax filing deadline to reduce contributions if you made an error. I got this from IRS Publication 969 (2022).
5. My spouse will have a self only HDHP plan in 2023.
6. I was 55 on January 1.
thanks for your help!!
