What type of HDHP coverage did have during 2025?

[user17747153507]

I was enrolled in High-Deductible plan for 2025 for 11 months and I changed my job last year and had to wait 30 days (one month) before I got re-enrolled in my new employer High-Deductible plan.  Can I select the option "was covered by a Family plan every month of the year" as it falls under the short time gap rule that allows up to 90 days. 

Thanks

AD

[AnnetteB6]

No, you cannot select that you were covered by a HDHP all year if you were covered only 11 months.  There is no time gap allowed with regard to being eligible to make a contribution to your HSA.  If you are not covered during a particular month, then your maximum allowed contribution to the HSA could be affected.  

If you are covered on the last month of the year, then you can make the full HSA contribution based on that last month coverage.  But, you must remain an eligible individual for the entire following year.  If you do not maintain coverage through all of 2026, then your 2026 tax return will address the situation.  

[user17747153507]

Thank you for the response. I selected the "had different plan types at different times of the year" and it let me choose in the next screen the months I had HDHP and calculated the pro-rated amount.  I selected "None" for the one month I did not have insurance due to the waiting time. Thank you

Regards,

AD