Got it. In my mind this is a bug or a design flaw or whatever we want to call it in TurboTax. The situation of where one spouse is over 65, which means Medicare-eligible, but is covered by a younger spouse's HDP is common. TurboTax should be asking each taxpayer every year if they're covered by an HDP or not.
Nonetheless, I haven't determined any negative ramifications in the generated tax forms from this problem. If you're Medicare eligible you can't contribute to an HSA whether you're covered or not, but your non-Medicare eligible spouse can, and if the HSA is a family type the Medicare eligible spouse can use family HSA funds to pay medical bills. So for the time being I'm just going to move on. If you know of generated tax form ramifications from this problem I would appreciate knowing about it.
Thank you for your prompt and expert help.
