@Opus 17 @forestview
I read through this and a great response as always. One point of confusion that may affect the outcome.
OP states they are retiring April, 2024 but turning 65 in Feb of 2025. Is a HDHP plan continuing duriing the gap from May, 2024 until Feb, 2025? if not, then there can't be HSA contributions (and I do not beleive COBRA counts as HDHP coverage) Or is the year turning 65 a typo and it should be Feb 2024? What is OP doing for health insurance from May, 2024 until Feb 1, 2025?
@Opus 17's response used Feb 2024 (and not Feb 2025) as when the OP turns 65, even though that is not what OP stated. HDHP coverage in 2024 is at least the first 4 months of the year so HSA contributions for at least 4 months of 2024 are permitted. Contributions for the rest of 2024 is dependent on OP's response on what their medical coverage will be from May - Dec, 2024.
