I changed HDHCPs in mid year due to job change, but kept in the same kind of plan. Is that considered a disqualifying change for the purpose of maximum contributions?

[msthrifty]

I left my employer's plan and changed to a marketplace plan on June 1; so there was no lapse in coverage, and both plans were single, HSA eligible, HDHCPs,  just from different providers.  I just learned about the "last month rule" and "testing period"; reading Pub.969 it in one line says I am eligible if I kept the same type of coverage all year, but elsewhere it says "if you changed coverage" then I am not eligible.  I will be starting Medicare in August of 2019 so I will not be completing that testing period.  Does my change from one plan to another trigger the eligibility question?

[Bsch4477 · Accepted solution]

The changed coverage refers to coverage by a plan other than a HDHP.  Since you had such a plan the whole year you can contribute the maximum amount.