First, we have to know the type of HDHP policy you had: Self or Family.
>> Self
Second, did you have this HDHP coverage on December 1, 2023? (yes, it makes a difference)
>> I had an HDHP (not HSA eligible) for Jun to Sep, and had a high deductable travel medical insurance plan for Oct, Nov, and Dec as I was traveling out of the country at that time.
Third, are you 55+?
>> No, I am below 55
