find a tax pro - lawyer or CPA and go by their guidance. you have multiple answers that differ sopro advice is warranted. this is a public forum and the knowledge level among responders varies so you need a person you can rely on.
as to HSA you can't contribute for months you are not covered by a HDHP. such contributions are subject to penalty if not withdrawn.
a ROTH IRA is not deductible so it doesn't lower your taxable income.
