TurboTax assumes that you used the last-month rule, until you enter all the screens after the question, "What type of High Deductible Health Plan did [name] have on December 1, 2018?"
TurboTax is working with incomplete information at this point. It knows that you did not have HDHP coverage for all of 2019 (because you told it so in the HSA interview) and it also knows that you has HDHP coverage on 12/1/2018, so you COULD have used the last-month rule.
However, don't be concerned because it will work out.
TurboTax is going to ask you what kind of coverage did you have for which months in 2018 (yes 2018); when you two answer a mix of Self and Family, TurboTax will realize that the amount you contributed was under the HSA contribution limit that you should have had for 2018 without the last-month rule.
In this case, you will see at the end a screen that says, No Penalty or No Additional Income or something like that. This is what you want.
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