Thanks for your explanation, Bill! I do have a HDHP on family coverage under my name - for quite a few years now with zero lapse for anyone. You're sure right when you say that it's counterintuitive that I should say "none" in order to get the desired result.
Of course I rely on Turbo Tax to take the complexity out by letting me answer questions, and let the system (and the experts behind the system) understand the details. It's funny to me that I'd essentially have to lie to Turbo Tax in this case, so I hope that one of those experts behind the system maybe sees this and perhaps adjusts the interview questions and/or logic.
Thanks again for your reply, Bill! I haven't tried it yet, but this looks like it will allow me to continue working through my taxes now! I appreciate your time!
