As noted above, when one spouse doesn't go through the HSA interview (because he/she doesn't have one), then TurboTax never asks for his/her coverage, and makes the mistake of thinking that the spouse does not have HDHP coverage in the current year. Then when TurboTax asks what type of High Deductible Health Plan on December 1, 2022), and you answer Family or Self, then TurboTax thinks that you had HDHP coverage in the prior year, using the last-month rule, but did not have HDHP coverage in the current year, so it thinks that the coverage "lapsed".
Simply put, if the spouse in question did not have an HSA in 2022, or did but did not contribute to it in 2022, or had health insurance coverage for every month in 2022, just answer NONE.
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