@Opus 17
1. Correct, a qualifying HDHP for HSA contributions.
2. I own the HSA. My wife is not employed and does not have a separate HSA.
3. In 2023, we were both covered under my employer's HDHP for the full year. Medicare coverage will soon apply retroactively for both of us: for her, starting October 2023; for me, starting November 2023. I made HSA contributions in October, November, December -- thinking that Medicare coverage would start in January 2024. (That's what my employer told me would happen, incorrectly.)
Thanks.
