8889

[Helpmybob]

Hi,

I filed my taxes but I have a quick question regarding whether or not I used the last month rule on the 8889 portion.

Is there anyway that you can quickly check on your taxes to see if you used this.

Thanks

[Mike9241]

why are you asking if we used this?  it has no bearing on whether you can use it or not. 

[dmertz]

Nothing on your Form 8889 directly indicates that you used the last-month rule.  You used the last-month rule if you contributed more than pro-rated amount you would have been eligible to contribute without using the last-month rule.

For example, if you covered by a self-only HDHP plan for only the last 9 months of 2020 and you were under age 55, your maximum contribution for 2020 without using the last-month rule would have been 9/12 of $3,550 = $2,662.50.  However, being HSA-contribution-eligible for December 2020 allowed you use the last-month rule to contribute a full annual $3,550 which is more than $2,662.50.