"Did XXX High Deductible Health Plan coverage lapse in 2019 due to disability?:"
It's likely that you should not have even gotten this far.
This is what is happening:
There is a question, "What type of High Deductible Health Plan did Blank have on December 1, 2018" (yes, 2018 is correct). The question is attempting to find out if the taxpayer had HDHP coverage in 2018 and contributed to an HSA, but did not have HDHP coverage in 2019.
The problem is that for any taxpayer who never had an HSA, this question does not apply to them, so they should answer, "NONE".
The same is true for a taxpayer who never had any HDHP coverage - they should answer, "NONE".
In fact, if you did not have HDHP coverage in 2018 or you did not contribute to an HSA in 2018, you should just answer "NONE".
The problem comes in when taxpayers answer this question with Family or Self, not knowing it doesn't apply to them.
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