I used the last month rule in 2018 for family HDHP coverage. That family included myself, my spouse, and my college student/still a dependent daughter. My spouse is older than I am, and he will be claiming Medicare Part A in early 2020 which will retroactively become effective 11.1.19. Thus, since he turned 65 in November of 2019, he is no longer eligible for HDHP/HSA under "family".
My question-- since my daughter and I are still "family" and she will again be a dependent for 2019 do I pass the last month test? Together she and I will have had continuous HDHP coverage from 10.1.18 through and including 12.31.19? Help is appreciated on this obscure topic.
