I am looking into this. As a workaround, look at your spouse's 8889 (8889-S).
Look at the Line 18 Smart Worksheet. You will notice that January of 2024 is inexplicably set to NONE.
Set January to Self, and the last-month rule amount (shown on lines 18 and 20) should vanish, along with the penalty on line 21.
If you close and reopen your return, please check to make sure this hasn't resurfaced.
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