Mid-year HSA contribution limits

[wileymiester]

My HSA started in June. I am under 55 so the total I can contribute is 6550 for a calendar year for my family. We are likely going to change our insurance come April of this year so I'm just trying to figure out how much I can add to our HSA to max it out.

Since it is split between years does that I mean it's 3275 (6550/2) per 6 month period with the 2nd period being prorated? Or do I prorate the entire amount and since my period started mid-year I can add that total amount anytime across both years as long as I'm still in my plan cycle?

And where the hell can I read up on it to find out?

Thanks!