I request your advice:
1. I had a non-HDHP plan until June 2022 before I joined my current company.
2. I switched to HDHP plan after I joined in June 2022, contributed to HSA in PayFlex and used it only for medical expenses.
3. I switched to non-HDHP plan in Jan 2023.
4. I closed my PayFlex account in June 2023.
5. I received 1099-SA form for 2023.
While filing my taxes now, I see a screen "Let's review what type of coverage you had in 2022." Title says "Type of HDHP Coverage" It lists each month from Jan to December and asks me to choose a) Self only, b) Family plan or c) None for each.
I am confused by the instruction: "If you were covered by a HDHP and a non-HDHP plan during the same month, select none"
I had included my spouse in both HDHP plan for first half of 2022 and non-HDHP plan for 2nd half of 2022. I did not have both during the same month. So should I choose "none" or should I choose "Family plan" for Jan to May?
If I choose "none", my taxes owed increase.
I had spent my HSA only for medical reasons. So I am surprised that I am owing taxes. Please advise how to go about and why TT is asking me for info about 2022 now. Thank you.
