Deductions & credits

You are correct.  Eligibility is determined on the first day of each month.  If you have 6 months of eligibility, your maximum allowed contribution with a family HDHP for 2023 was $3875.   ($7750÷12 x 6 months)

 

As mentioned by others, there are some additional possibilities if your spouse maintained a separate family or single HDHP, but we would need more details.