You do not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage. So TurboTax go confused and thought that maybe your coverage "lapsed".
- If you did not have an HSA in 2022, then answer NONE.
- If you did have an HSA but did not contribute to your HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
- If you were covered by an HDHP policy for each month of 2022, then answer NONE.
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