Start a high-deductible health plan on December 1, 2026, and the IRS's last-month rule lets you claim the FULL 2026 HSA limit — $4,400 for one person or $8,750 for a family — even though you were covered for only one month. This video explains the triple tax break, the 2026 limits and plan rules, the exact dollar math at a 22% tax rate, and the 13-month testing period that can turn the whole tax break into a $1,290 bill if you break it — plus the five moves to make before December 1. Follow US Money Guide for daily money tips!
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Educational content, not financial advice.
