topic Why are they applying the last-month rule to HSA changes mid way through the year, for long term existing HSA plans? in Deductions & credits https://ttlc.intuit.com/community/tax-credits-deductions/discussion/why-are-they-applying-the-last-month-rule-to-hsa-changes-mid-way-through-the-year-for-long-term/01/3762433#M359072 I have had a long time HSA (year 4) and am on a family plan with my child. TT is saying: We calculated for income to include under the last-month rule, but you told us a different amount. Remove your entry below to use our calculation, or leave your total if you have a situation that requires uncommon adjustments. But it asks for spouse information- which does not apply. And, last month only applies in case of changes to HDHP (not in case of a single change) from what I understand. How do I make sure I get the appropriate credit? Fri, 06 Feb 2026 19:01:45 GMT ghaughney 2026-02-06T19:01:45Z Why are they applying the last-month rule to HSA changes mid way through the year, for long term existing HSA plans? https://ttlc.intuit.com/community/tax-credits-deductions/discussion/why-are-they-applying-the-last-month-rule-to-hsa-changes-mid-way-through-the-year-for-long-term/01/3762433#M359072 I have had a long time HSA (year 4) and am on a family plan with my child. TT is saying: We calculated for income to include under the last-month rule, but you told us a different amount. Remove your entry below to use our calculation, or leave your total if you have a situation that requires uncommon adjustments. But it asks for spouse information- which does not apply. And, last month only applies in case of changes to HDHP (not in case of a single change) from what I understand. How do I make sure I get the appropriate credit? Fri, 06 Feb 2026 19:01:45 GMT https://ttlc.intuit.com/community/tax-credits-deductions/discussion/why-are-they-applying-the-last-month-rule-to-hsa-changes-mid-way-through-the-year-for-long-term/01/3762433#M359072 ghaughney 2026-02-06T19:01:45Z Re: Why are they applying the last-month rule to HSA changes mid way through the year, for long t... https://ttlc.intuit.com/community/tax-credits-deductions/discussion/re-why-are-they-applying-the-last-month-rule-to-hsa-changes-mid-way-through-the-year-for-long-t/01/3769221#M359789 <P>TurboTax automatically applies the last-month rule, if the current year (now: 2025) does not have HDHP coverage for every month. Only then does TurboTax ask about the coverage in 2024 and step through the last-month rule processing.</P><P>&nbsp;</P><P><SPAN style="color:rgb(45,51,56);font-size:13px;"><I>And, last month only applies in case of changes to HDHP (not in case of a single change)</I> - I am sorry but I don't understand what this means. What does "single change" refer to?</SPAN></P> Tue, 10 Feb 2026 16:35:38 GMT https://ttlc.intuit.com/community/tax-credits-deductions/discussion/re-why-are-they-applying-the-last-month-rule-to-hsa-changes-mid-way-through-the-year-for-long-t/01/3769221#M359789 BillM223 2026-02-10T16:35:38Z