tony and nancy are married. both are under age 55. for all of 2022, tony has self-only coverage under a high deductible health plan (hdhp) with a $2,000 annual deductible. he has no other health coverage. nancy has non-hdhp family coverage for herself and the couple’s two dependent children. tony is not covered by nancy’s non-hdhp. because he has no health coverage beyond his own hdhp, tony is eligible to contribute up to what amount to a health savings account (hsa) for the 2022 tax year?