Intuit needs to reword those questions. They are confusing. Just need to add a comment to the page that asks "What type of High Deductible Health Plan did xxxxx have on Dec..." to say something like, "If xxxxx did not have their own plan, but was included in yyyyy's plan, then select "none". Right now it says, "If xxxxx had HDHP coverage on Dec 1, 2021, but failed to be an eligible individual for other reasons, select None."
