I am losing my job as of next Wednesday. However my insurance will continue a month after (grad student, they do weird things) so we are switching to my husband's employer's plan, a HSA eligible plan. But I wanted to see how much I can contribute. The plan has a $5000 out of pocket max which I obviously want to have. I was told we had to prorate the annual amount we can put in by the amount of time we were under the other plan. Please help