Lidanaaaa

@Brian Gilmore thank you for your thorough response.

Hi @Brian Gilmore I am in a very similar situation and I am so glad that I found this thread; so my plan year starts in June 1, 2025 to May 31, 2026 and I unfortunately signed up for the FAS while my husband has HAS and his plan year started in January 1, 2025. does this mean that he can still contributes up to 5/12*8550 for 2025 year and the entire 8550 for 2026 year if he takes the last month rule advantage? Additionally, we probably had similar situations back in 2023 or 2022 too. How do we find out if we had excess contributions in prior years? How do we know if there’s excess 6% tax taken from us for any tax year? Thanks so much!