@michstanifer
As I noted above, the issue is that TurboTax is asking whether or not you used the last-month rule in 2018. The last-month rule allows you to use the full annual HSA contribution limit even if you weren't under HDHP coverage all year.
This screen used to ask if you used the last-month rule. Of course no one knew what that was. So this question was replaced by the seemingly innocuous, "What type of HDHP coverage did you have on December 1, 2018?" Anyone would know that, right, even if they didn't know what the last-month rule was.
If you answered "Family" or "Self", then TurboTax knew that you had coverage in 2018, and compared this to the HDHP coverage that you had for 2019. Unfortunately, the way that the HSA interview's flow runs, if you personally don't have an HSA (your husband does), TurboTax never asked you if you had HDHP coverage in 2019, so TurboTax mistakenly thinks that your coverage lapsed.
This is just the result of TurboTax correcting a poorly-worded question from 3 years ago with another question that could have been worded better.
In your case, since you probably did not have your own HSA in 2018 and therefore could not have used the last-month rule, please answer "None" when you see this December 1, 2018 question. The question does not apply to you, but only to your husband.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
