If you are filing Married Joint, this question (about what type of High Deductible Health Plan you had on December 1, 2020") can be asked of each taxpayer. The question should be asked only of a taxpayer who (1) had an HSA in 2020, and (2) contributed to that HSA. So, simply, put, if you did not have an HSA in 2020 (remember the HSA belongs to an individual) nor did you (or anyone, like your employer) contribute to your HSA in 2020 (or in 2021 for 2020), then answer NONE. The error message about a lapse in coverage should now not appear.
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