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Can someone please help me understand the Last Month Rule for HSA?

Quick_Drive7508 — Tue, 26 May 2026 18:34:13 GMT

Hi, I'm trying to understand the Last Month Rule for HSA.

Within, the most-recent Publication 969, the last month rule is stated:

"Last-month rule. Under the last-month rule, if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers), you are considered an eligible individual for the entire year. You are treated as having the same HDHP coverage for the entire year as you had on the first day of the last month if you didn't otherwise have coverage."

(I bolded the latter clause only for emphasis herein, it is not reflected this way in official documentation)

The final clause almost reads to me as an additional qualifier without statutory basis. Nowhere within 26 U.S. Code § 223 is it indicated that ineligibility in months prior to December is intended to be only by means of being uninsured. In fact, IRS Notice 2008-52 clearly states that "The full contribution rule applies without regard to whether the individual was an eligible individual for the entire year, had HDHP coverage for the entire year, or had disqualifying non-HDHP coverage for part of the year.".

Prior to 2017, the sentence concluded with "You are treated as having the same HDHP coverage for the entire year as you had on the first day of the last month.". Period. In 2017, it changed to “You are treated as having the same HDHP coverage for the entire year as you had on the first day of the last month, if you did not otherwise have coverage.”. And in 2019, the comma was removed, but the clause was retained (same as current version).

This is ambiguous and confusing. Unless I'm missing something, the current wording is neither in alignment with the applicable statute nor IRS Notice 2008-52. Can someone please help out? I’m really struggling with this (@Mike9241 - your responses to threads on similar topics have been insightful, and I appreciate you sharing your knowledge. Do you possibly have related insight you might be able to share?)

double chrage

lind7262 — Tue, 26 May 2026 17:04:08 GMT

You charged me twice for the $20 to file my califoronia returns. Once in advance. Then second when I wanted to file. The program would not let me file unless I paid another $20. It apparently didn’t pay attention to my prior advance pmt. I paid so I could file. Please refund me $20 asap. Thank you. Linda Foust

Married, living and earning in separate states

johnmckinsey695 — Tue, 26 May 2026 16:24:41 GMT

My wife and I are in the middle of a transition from Cal to Oregon. I am trying to decide now whether we will/can/should file jointly or separately for 2026 so I can make some tax-related decisions.

My wife will be living and working exclusively in Oregon for 2026. She has is receiving retirement benefits from the California State Teachers Retirement System as Oregon income not Cal. She is working in Oregon.

I will be living and working exclusively in California for all of 2026.

Assume that she will have about $100k AGI (all in Oregon) and I will have about $100k in AGI (all in California)

We will have itemized deductions that are substantially greater than the standard deduction so we can both separately itemize. Those deductions include property taxes in both states (abt 20k), mortgage interest in Oregon (abt 20k and charitable contributions mostly in Oregon (abt 25k).

Must we or should we file MFS with her doing an Oregon return and me doing a Cal return?

Or can or should we file jointly for fed with individual state tax returns?

I've been charged two times.

user17798021762 — Tue, 26 May 2026 13:40:45 GMT

Can you please help me and clarify why my creditcard was charged two times?

About my refund

alitalharslan5 — Tue, 26 May 2026 08:12:43 GMT

Hello, I applied for my refund on Feb 2, 2026 but It has been lots of days. I couldn't get my refund. I also got charged for expert refund service. What should I do. Any suggestions ?

Uh

genesisiespino2 — Tue, 26 May 2026 05:43:21 GMT

Mistake

2024 amendment: changes show in TurboTax Online ($110 refund increase) but no Form 1040-X in downloaded PDF. How do I get the amendment paperwork?

mkhaderva — Tue, 26 May 2026 04:12:01 GMT

Trying to amend my 2024 joint federal return (filed April 2025, accepted) to add a missed nondeductible Traditional IRA contribution for my spouse. Steps: 1. Tax Home → 2024 return → "Amend (change) 2024 return" 2. Federal → Deductions & Credits → Traditional and Roth IRA Contributions → updated spouse's total contribution and the "Jan 1 – Apr 15, 2025" portion 3. Walked through all follow-up screens (recharacterization, basis, etc.) — left everything else unchanged 4. Top of screen correctly showed an updated Federal refund (a small increase) and a slightly lower VA tax due Problem: When I download the PDF from Print Center (Tools → Print Center → both 2024 Federal + Virginia → "Just my tax return(s)"): - PDF contains Form 1040, NOT Form 1040-X - Cover page says "Electronic Filing Instructions for your 2024 Federal Tax Return" — no mention of amendment - AGI shown is the new amended value, but the refund line still shows the original refund amount (not the amended one) - No Form 760 Amended for Virginia either Never saw a File step that explicitly said "this is an amendment." The original "Filed" status from April is still showing on Tax Home. Questions: 1. Is there a step in the amendment workflow that triggers Form 1040-X generation that I might have skipped? 2. Should I close and re-enter the amendment workflow from scratch? 3. Known TurboTax Online bug for small-dollar amendments? Using TurboTax Online Premium. Thanks for any guidance.

I received an irs 310 deposit but my amended return status still shows it is processing. What is the deposit for?

brittney-sims — Tue, 26 May 2026 03:13:07 GMT

Where is my State return refund?

m-rygala1 — Tue, 26 May 2026 02:24:52 GMT

$10K was deducted not long ago from my Wells Fargo checking account. Definitely was not expecting that. Now, where; is; MY money? You keep taking from me; where is MY money IRS? 🤔

I was filing taxes from 2024 and realized I did it under 2025 and it told me to pay 50$ I realized it was under the wrong year and didn’t end up filing but no im down 50$

kaylangford706 — Tue, 26 May 2026 02:23:32 GMT

How do I apply for a refund?

Can I view the status of my wife's return? I filed my and my wife's taxes via my account. I want to check the status of her return but I don't know where to find it.

stecina — Tue, 26 May 2026 02:22:16 GMT

How can I verify that my state taxes were submitted?

radesh-honda — Tue, 26 May 2026 02:16:54 GMT

How do I generate a cor file? I don't want the WAC for a 2023 T2 return

user17797598018 — Tue, 26 May 2026 02:05:16 GMT

How do I claim my T22 tuition fees for 2024, which I did not include when filing my 2024 taxes? Can I refile and how?

user17625718096 — Tue, 26 May 2026 01:34:51 GMT

Why haven't I received my tax return in the mail? Its been over a month.

joeym21p — Tue, 26 May 2026 01:22:46 GMT

I have not gotten my ct tax refund yet

austuche2000 — Tue, 26 May 2026 01:12:49 GMT

The wrote to saying they are reviewing my filling

If I did not yet mail my returns, how do I modify it instead of amending it? I don't need to amend it since it was not filed yet.

techiejackie — Tue, 26 May 2026 00:31:20 GMT

This seems to be a problem with turbotax in particular.

I have not received my NY State return filed by turbo tax

cuzzynyc — Tue, 26 May 2026 00:15:06 GMT

Who do I co tact

If I Filed My Taxes On April 22nd. It Said My Estimated Date Was May 13th. Why Is It Taking So Long???

supadave00784 — Mon, 25 May 2026 23:06:44 GMT

They send my refund check to my old address..and i am also direct deposit i wonder why they send a check..

aaronlouisnerida0621 — Mon, 25 May 2026 22:41:42 GMT