Clicking on the "Eligible Individual" gives the guidance:
You are an "eligible individual" for a specific month if you meet ALL of the following criteria during that month:
- You are covered by a high deductible health plan (HDHP) at any point during the month
- You are not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing certain types of limited coverage)
- You are not enrolled in Medicare, AND
- You are not eligible to be claimed as a dependent on another person's tax return
My wife meets all 4 of those bullet items. So she didn't fail to be eligible individual.
