My husband has an HSA that he personally, not through his employer, contributes to. While he does have health insurance, he did not have an HDHP plan in 2020. Additionally, he still does not have an HDHP plan this year.
We are getting stuck on Form 8889 line 1, because apparently it is required to select either "Self-only" or "Family", even though he did/does not have an HDHP plan. I saw this was a question in 2019 and the solution was to just check "Self-only." The response indicated that doing so will not cause problems with filing.
My questions are:
1. Is the suggested solution of selecting "Self-only" still valid for 2020 returns?
2. Will selecting this option, despite not having an HDHP, cause any problems down the road?
Please let me know. Thanks!
