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Deductions & credits
Your issue is with the question that asks "What type of High Deductible Health Plan did [name] have on December 1, 2018?"
When you see this question for you, answer "Family" because that is what you had (if either spouse has Family coverage, the IRS considers both spouses to have Family coverage).
In your husband's case, though, you should answer "NONE".
This question is trying to determine if he utilized the "last-month" rule in 2018 (yes, 2018). The last-month rule lets you use the full annual HSA contribution limit if you had HDHP coverage on December 1, even if you were not covered by an HDHP for all of the year.
However, the catch is that if you used the last-month rule, the IRS requires that you stay under HDHP coverage for all of the following year (2019).
***NOTE*** This question occurs on the taxpayer who does not have an HSA, so never had a chance to tell TurboTax n the HSA interview what their HDHP coverage was for 2019.
As a result, TurboTax is confused - it thinks that your husband had HDHP coverage in 2018 and didn't have any coverage in 2019 (because it never asked), so he could have used the last month rule and failed to keep the HDHP coverage.
So, the fix for your husband is this: go back to the question for him (at the end of the HSA interview), and enter "NONE" for his coverage on December 1, 2018.
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