I enrolled in HDHP plan starting 2014 Nov 3rd. I also have an employer sponsored HSA plan, where my employer contributed $250 towards the 2014 limit in Jan 2015. Before this I never had an HSA account. So is it possible for me make the remaining contribution out of my pocket to meet the max. 2014 limit ( 3300 - 250 = 3050 )? I think this is possible at least based on what I understand from the IRS publication 969 and other answers. Do I need to contact my employer or I can directly talk to the HSA company to make these contributions?
Also is my understanding correct that if I lose my job in 2015, I can buy an personal HDHP plan off the market to ensure that I will not get penalized for the excess contribution (since I need to make sure that I have HSA compatible HDHP till Dec 2015)?
I file my taxes jointly with my spouse who does not have a HDHP coverage (also no FSA). Is my max. contribution limit $6550 or $3300? I think it is the latter as there are no other family members covered under my HDHP.