The question is poorly worded and a lot of taxpayers shouldn't even see it.
In your case, if the two of you shared coverage from an HDHP, then likely one of you did not go through the HSA interview and tell TurboTax what HDHP coverage you had.
Then, when TurboTax thinks that that person did not have HDHP coverage in 2024, it asks you what kind of HDHP coverage you had on December 1, 2023. If you answer Family or Self, it says to itself aha! you had a lapse in coverage.
The best way to deal with this situation is to just answer NONE to the question of "What type of HDHP coverage did you have on December 1, 2025?" because TurboTax in many cases should not be asking this question.
@louis_schilling
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