My spouse had me under his HDHP in Dec 2022 and all of 2023. I presume that this means he has a "Family" plan.
I also had my own HDHP in Dec 2022 thru mid-July of 2023. My HDHP coverage ended in mid-July due to work termination due to a disability that started the prior July (i.e., my work let me keep my HDHP for one year from the start of my disability...July 2022 to July 2023).
Neither of us has had an HSA or MSA in 2023.
For myself, I selected "Self only" for the Type of HDHP plan I had on Dec 1, 2022. I replied "Yes" to the question that my HDHP coverage lapsed due to a disability. Based on the existing answers in this thread, I think that is correct answer, even though I was still covered for the rest of 2023 under my spouse's HDHP.
For my spouse, I selected "Family" for the Type of HDHP plan he had on Dec 1, 2022. However, I still get the question as to why his HDHP coverage lapsed??? His HDHP coverage never lapsed. What should I do?
Thanks,
Tom
