What if my wife had her own HDHP (self-only) in ALL of 2023 (including December) but she joined my HDHP in 2024 under a family plan? How do I answer the two questions "what type of HDHP did [wife] have on Dec 1, 2023?" and "Did [wife] HDHP coverage lapse in 2024 due to disability?"
I ask because I answer the first question as "self-only" but get the follow-up lapse in coverage question. She never had a lapse in coverage - she joined my family plan in 2024. What do I do?
