21. Vibha works for AB Consulting. She can contribute to her HSA through her employers cafeteria plan via a deduction from each one of her paychecks. Vibha is married and the families only health insurance is a qualified high deductible health insurance policy. Each month through her monthly paycheck, Vibha contributes $400 to her HSA. During the calendar year of 2018, Vibha contributed $4,800 to her HSA. It is now February of 2019, Vibha realizes that she did not contribute the maximum to her HSA in 2018. What are her options.