I just found this answer on someone else's question and I am thinking it still might be the same issue with just a poorly worded question:
The question on the page before you see that there was a “lapse” in coverage is causing the issue.
On the previous page you should see the question, “What type of High Deductible Health Plan did [spouse] have on December 1, 2016?”. The choices are Family, Self only, or None.
If the spouse had been covered under the taxpayer's family plan, you might think you should answer Family to the question. However, the answer should be None.
It is referring to what type of plan the spouse held in their name on December 1, 2016. If the spouse had their own separate HDHP on that date, then choose the type of plan that the spouse had. If instead the spouse was covered under the plan in the taxpayer's name, then you should choose None. (https://ttlc.intuit.com/community/taxes/discussion/turbo-tax-thinks-i-had-a-break-in-hdhp-health-pla...)
