We had an HDHP and HSA for several years but switched to a non-HDHP for the entire 2019 year. We had a balance in the HSA from previous years and used distributions for qualified medical expenses in 2019.
Turbotax questions insisted that we must have an HDHP to have an HSA. That is not true. We must have an HDHP to make contributions the HSA, but we are permitted to take distributions for qualifying expenses after switching to a different insurance plan.
The Line 14 Smart Worksheet looks correct - has the gross distribution we took in 2019.
I'm not clear about Part III though. We did not maintain HDHP in 2019, but we did not contribute to an HSA, so there should not be any issue. On Line 18 Smart Worksheet, I see the total contribution we made in 2018 (there was no excess contribution), all boxes are checked for family on qualified HDHP in 2018, but Turbotax will not permit me to enter a number into C: "Total maximum allowable contribution for 2018." It is blank. I believe that number should be $6900 which was the maximum allowed for families in 2018.
Is it ok that C stays blank? Lines 18-21 are also blank.
