Aug 20, 2025 · Thanks to an IRS provision called the Last Month Rule, you may still be eligible to contribute the full annual amount to your HSA—even if you weren’t enrolled all year.

Apr 11, 2025 · **Contribution timing matters** - You have until the tax filing deadline (typically April 15th) to make prior-year contributions, but as others mentioned, make sure your HSA …

Apr 26, 2024 · If you recently just opened an HSA to complement your high-deductible health plan, you may be qualified for the "Last Month" rule. There are some stipulations to …

Oct 22, 2024 · The HSA last-month rule allows you to make a full-year contribution to your health savings account, even if you were eligible for only part of the year. Learn how the rule works.

You can prorate your contributions (nine months total for self-only coverage or family coverage) or use the Last-Month Rule to contribute up to the maximum ($4,300 or $8,550) and remain HSA …

Jun 4, 2025 · If you take advantage of the Last Month Rule, you must remain HSA-eligible through the end of the following calendar year, in what is known as the “testing period”.

Your eligibility to make contributions to an HSA can change mid-year for many reasons. Maybe you added or dropped an HSA-qualifying high-deductible health plan (HDHP) because you …

Sep 9, 2025 · With the last-month rule, someone who enrolls in an HSA-eligible plan in December 2025 could potentially contribute the full $4,300 (individual) or $8,550 (family) for the entire …

What is the last-month rule? The last-month rule stipulates that if you are eligible on the first day of the last month of your tax year – December 1st for most people – then you’re considered …

If your insurance changes or you lose coverage and your HSA eligibility changes, you’ll face extra taxes and penalties for any contributions you made due to the “last month” rule.