@kimberly3ct
As I a single, I have not looked at this part of the program this year. But in the HSA interview, you should be asked "What kind of insurance did taxpayer/spouse have?" And when you enter that you had different kinds of insurance, you will get a list of months and you can indicate "self HDHP", "family HDHP" or "none." Both spouses might be on the same page, or you might have to run the interview once for the taxpayer and separately for the spouse (I haven't checked lately).
The important thing is that you should check "none" for any month when someone was disqualified for any reason, even if they also had HDHP insurance. You are replying to an old discussion and I don't know your circumstances, but the original discussed referenced Medicare. Suppose that you work, and have HDHP family insurance for yourself and your spouse. You started Medicare in June 2025, and your spouse started Medicare in October 2025. Even if you also kept your employee HDHP plan, you would check "family" for Jan-May and "none" for June to December, and your spouse would check "family" for Jan-Sept and "none" for Oct-December. You would do the same thing if you changed jobs or insurance coverage in the middle the year. Check "self" or "family" for any month that you were covered by an eligible plan and were not disqualified by any other coverage; and check "none" for any month where you were disqualified from contributing to an HSA by way of other medical insurance, or not having insurance at all.
Turbotax will calculate the appropriate amount of excess to be removed, and you go on from there.
