Excellent points. And they reinforce my contention that TurboTax should ask very specific questions about Medicare, HDPs, HSAs, and ,medical coverage, and refrain from inference. Of course they can infer that if you collect Social Security payments and you're over 65 you can't contribute to an HSA, but the software should ask specifics anyway.
I was incorrect about the impact on tax forms. It is true that in my situation the fact that TurboTax infers I'm not covered by an HDP does not impact my tax amount due, but on Form 8889 there is a section (Part III) for failure to maintain an HDP. I can't tell if 8889 is included for everyone, or just those TurboTax infers failed to maintain an HDP. If the former is true, I suppose I have nothing to worry about.
