Deductions & credits

@mollyjstocoverage.

This question is trying to determine if you utilized the "last-month" rule in 2018. The last-month rule lets you use the full annual HSA contribution limit if you had HDHP coverage on December 1, 2019, even if you were not covered by an HDHP for all of 2019.

Using the "last-month" rule requires that you stay under HDHP coverage for all of the following year (2019)

This question applies only to taxpayers who had HDHP coverage in 2018 and who made HSA contributions to their own HSA in 2018; otherwise, they could not have benefited from the last-month rule.

In your case, I believe that only your husdband has an HSA, right? TurboTax sees from the HSA interview that your husband had HDHP coverage for all of 2019 (because he said so in his part of the HSA interview), but TurboTax never had the chance to ask you about your HDHP coverage in 2019, because you do not have an HSA so you were never asked about HDHP coverage in 2019.

When you answered truthfully that you had either Family or Single coverage on December 1, 2018, because you had not indicated in the HSA interview that you had HDHP coverage in 2019 (because you were never asked), the program wrongly assumed that your coverage in 2018 had lapsed in 2019.

So, the fix is this: go back to the question (at the end of the HSA interview), and if you did not have an HSA in 2018, then answer NONE.

I know that that is not what the questions asks, but believe me, the question does not apply to taxpayers who don't have an HSA, even if they have HDHP.

@mkbnj

The question precisely targets taxpayers who had HDHP coverage on December 1, 2018 and who made HSA contributions to their own HSA in 2018. 

Unfortunately, the question does not clarify that it it for a small group of taxpayers and that all other taxpayers should answer "NONE".

So, when you see the question "What type of High Deductibel Health Plan (HDHP) did [name] have on December 1, 2018?" please see the following:

If you had HDHP coverage for all of 2018 , then enter NONE 

If you had no HDHP coverage for all of 2018, then enter NONE.

If you did not have an HSA in 2018, then enter NONE.

If you had an HSA in 2018 but did not contribute to it in 2018, then enter NONE.

Remember that HSAs belong to the individual; spouses don't share an HSA. Thus, if you two use the HSA of one spouse or the other, the spouse who doesn't have the HSA never tells TurboTax that he/she had HDHP coverage in 2019, so if prompted by this question. If one of the four situations above applies to you, just answer NONE.