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 — Thu, 06 Jun 2019 07:20:21 GMT

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?

The changed coverage refers to coverage by a plan other t...

Bsch4477 — Sat, 08 Jun 2019 00:04:23 GMT

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.

topic The changed coverage refers to coverage by a plan other t... in Retirement tax questions

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?

The changed coverage refers to coverage by a plan other t...