HSA Last-Month Rule: Full-Year Contributions Without the Testing Period Penalty
Understanding the HSA Last-Month Rule and Testing Period The HSA last-month rule allows eligible individuals to contribute the full annual HSA maximum even if they weren’t enrolled in an HSA-eligible high-deductible health plan (HDHP) for the entire year. However, this benefit comes with a crucial caveat: the testing period requirement, which can result in penalties … 더 읽기