2024 HSA partial year limits

Need help please. If I am enrolled in 2024 for 10 months of the year (March-December) in an HSA-elligible HDHP will I be able to max out my HSA to the individual contribution limit of $4,150 or will I get hit with a big tax penalty? Do I have to “pro-rate” my contributions and subtract the first two months since I was not enrolled during that time? Very confused about this and am seeking clarity as I am reading conflicting information online while trying to max out my HSA if possible. Thank you for any assistance.

satanmat,

Whelp…

Based on this irs publicationThe whole amount…

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.

kingshrubb,

Thank you

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