Your issue is with the question that asks "What type of High Deductible Health Plan did [name] have on December 1, 2018?"
Unfortunately, the question does not clarify that it it for a small group of taxpayers and that all other taxpayers should answer "NONE".
This question is trying to determine if you utilized the "last-month" rule in 2018. The last-month rule lets you use the full annual HSA contribution limit if you had HDHP coverage on December 1, 2019, even if you were not covered by an HDHP for all of 2019.
Using the "last-month" rule requires that you stay under HDHP coverage for all of the following year (2019)
***NOTE*** This question applies only to taxpayers who had HDHP coverage in 2018 and who made HSA contributions to their own HSA in 2018; otherwise, they could not have benefited from the last-month rule.
So, the fix is this: go back to the question (at the end of the HSA interview), and if you did not contribute to an HSA in 2018 or not even have an HSA in 2018, then answer NONE.
I know that that is not what the questions asks, but believe me, the question does not apply to taxpayers who don't have an HSA, even if they have HDHP coverage.
If you had HDHP coverage for all of 2018 , then enter NONE
If you had no HDHP coverage for all of 2018, then enter NONE.
If you did not have an HSA in 2018, then enter NONE.
If you had an HSA in 2018 but did not contribute to it in 2018, then enter NONE.
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