Originally Posted by MichaelB
HSA contributions and catch-up are prorated, so if start date is 4/1 the contribution is 75% of the full year max allowable.
If you become eligible by December 1, you can contribute up to the contribution limit for the calendar year
(in our example, up to the full $3,550 rather than only $591.66). You must remain HSA-eligible through the
“testing period” (through the end of the following calendar year). If you lose eligibility before the end of the
testing period for any reason other than disability or death, any contributions in excess of the pro-rated
amount (up to $2,958.33) are included in your taxable income and subject to an additional 10% penalty...
MB - Your method is one option. Either work.