What do I do in the following situation:
1. The question of what type of HDHP did (wife) have on Dec 1, 2023? My wife had an individual plan through her job on that date (and all year) but she switched to my jobs provided coverage on January 2024.
We did not over pay into our HSA for 2023 or 2024. However, in 2024 I was the only one making contributions to the mentioned family plan.
So, to that question I answered "self" because she still had coverage from her job at that date. Then the next question:
2. Says she had a lapse in coverage. Which isn't true but the question gives two options for
Yes due to disability and
No, other reasons.
I answered no here and it proceeded to ask me about her coverage for all of 2023 and the contributions made. Then in the end it concludes that she doesn't apply to the "last month rule". It never asked about 2024 coverage for her even though she was on my family plan.
Did I fill it out correctly for our situation?
