"If I select "None" I never get a change to show I had coverage all year."
As I noted above, you get a chance to show coverage all year only if you have an HSA. And if you had an HSA in 2020 and showed coverage, then - unless your coverage was not for the full year - you would not even be asked this question.
"Why does December of 2019 matter for 2020?"
I will repeat what I wrote above:
This question is trying to determine if you utilized the "last-month" rule in 2019 (yes, 2019). The last-month rule lets you use the full annual HSA contribution limit if you had HDHP coverage on December 1, even if you were not covered by an HDHP for all of the year.
However, the catch is that if you used the last-month rule, the IRS requires that you stay under HDHP coverage for all of the following year (2020).
So this question is supposed to ask about 2019. And as I noted above,
- If you had HDHP coverage for all of 2019 , then enter NONE
- If you had no HDHP coverage for all of 2019, then enter NONE.
- If you did not have an HSA in 2019, then enter NONE.
- If you had an HSA in 2019 but did not contribute to it in 2019, then enter NONE.
So, if you don't have an HSA or HDHP coverage, all this may make no sense to you, but's that's OK, because the question doesn't apply to you. Just answer NONE and move on.
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