No, in this case you get special rules. The IRS allows you to contribute all the way up to the annual maximum limit ($4,400 for self-only coverage or $8,750 for family coverage in 2026; $4,500 or $9,000 in 2027) (HSA holders age 55 and older may make additional annual “catch up” contributions of $1,000). However, you have to keep your high deductible health plan (HDHP) coverage for a full 12 months of the year following.
I Started my HDHP Late in the Year, is my HSA Contribution Pro-Rated?
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