MXJQ

Great, thank you again!

Thank you! And am I also correct that because my husband declined any contributions to or funding of his health FSA I am totally fine to contribute to the HSA?

A follow-up question on this thread, because we think we did the right thing, but want to ensure. My husband started a new job in Jan, 2024 which offers two FSAs (the healthcare kind and dependent care), because I have a HDHP and we are using HSA for retirement purposes, we researched this when he was electing his benefits and he declined any contributions/use of the health FSA. Made no contributions, didn't sign up for it, etc.. We, therefore, assume I am still eligible to contribute to my HSA. I haven't yet, but want to make my 2024 contributions and ensure I am correct. I carried our children on our plan, so assume I can use the entire max of $8300 for the year. However, because of other insurance reasons, we took the kids off my plan when our coverage changed (so from Dec 1 on it was just me on my HDHP rather than me plus kids). So, if I am reading some of the comments on this thread about monthly eligibility, should I therefore pro-rate and am I capped at 11/12 of $8300 plus 1/12 of $4150 for 2024 contributions? In retrospect, I am thinking the tax savings (plus investment savings) of being able to do the full max that I maybe should have kept my kids (or at least one) on my plan for 2025, but that's a different calculation for a different day.