On multi-year situations, we need a simple layout of what happened:
So do me a favor, and tell me what you really did.
2021 - what was your HDHP coverage? Type and months? What were your HSA contributions?
2022 - what was your HDHP coverage? Type and months? What were your HSA contributions?
2023 - what was your HDHP coverage? Type and months? What were your HSA contributions?
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