Hi, I have an HSA that I typically max out in February-ish each year. I've already done elections at my job to remain with my HDHP, and I have my money set aside to hit the maximum contribution of $3900 + $500 employer match.
The issue is that my fiance had to leave her job due to some pretty unfortunate life events recently, and she will soon lose her health coverage. I am planning on eloping with her earlier than the actual wedding to let her get on my healthcare. However, her health is a little more unpredictable than mine, and I know a HDHP would be unpractical for her, so we would probably move to a PPO/HMO plan.
Do I hold off on the lump sum contribution? She gets back home around March from her family's, and I was looking to add her to my health insurance then. I think the IRS caps your annual contribution limit based on the month you leave, but the answers out there are not as clear as I was hoping they would be. I don't want to max out my annual contribution and then have to deal with a big mess if we change insurance, and the IRS suddenly deems half of my contributions as over-contributions.