Originally Posted by RunningBum
I have an HSA plan through my individual ACA plan and can contribute the max without any wage income. Can't remember how it works with an employer plan. The max might be fractional based on how much of the year you work. But if you get an HSA eligible plan thru the ACA you can contribute the full.
You might see if it's worthwhile to work long enough to do a Roth contribution, which you must have wage income to do.
Bold by me. Yes, it is pro-rated for the number of months you were on an eligible plan.
if OP is on the plan through December, no problem.
if OP switches to another eligible plan mid year, no problem.
if OP does not stay on the plan for the entire year, and switches to a non-eligible plan mid-year, contributions must be pro-rated for the number of months on the plan. I got caught in this trap and needed to pull funds back. It was a hassle.