I started HDHP on Oct 1 2015 and started associated with it HSA at the same time. I contributed the whole allowed amount for the year on basis of last month rule for 2015 ($6,650 for family coverage). I maintained HDHP for 12 mo (till Sep 30 2016) and fulfilled the whole year allowance ($6750). I understand that I put excess amount to HSA for 2016 and will withdraw it before Apr 18 2017. But did I pass testing period not to be penalized for using last month rule to contribute in 2015?
