Jeanette, actually this situation is quite rare. It is the first time in 6 years of answering questions on HSAs that I have seen someone have (1) failure to maintain HDHP coverage AND (2) have Family coverage in the prior year AND (3) wish the Family allocation in the prior year had been done differently.
In the current year, TurboTax does the allocation automatically, and I have never seen that to result in a problem for the taxpayer. This situation of wanting to reach back into the prior year and change the allocation is, in my experience of answering some 5,000+ HSA questions, unprecedented.
Still, there is always a new way to interpret things, so I will add this to my personal wish-list of things to look at and maybe update in the product - if the accountants at TurboTax even think that the IRS would permit it.
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