Agree, it is very confusing, for my case, though I enrolled into HDHP plan which should cover my spouse, choosing an answer of either Yes or None seems both can make sense for my spouse.
I suggest Turbotax put an example or detailed explain there, like copying and pasting juset:
"When one person on a joint return has Family High Deductible Health Plan (HDHP) coverage that includes their spouse, the question regarding what type of HDHP coverage the spouse has should be answered None, "
