"So per IRS rules with HSA, if you are claimed dependent by another you cannot contribute tax free to an HSA "
No, per the IRS rules, if you CAN be claimed as a dependent, then you are not eligible to contribute to an HSA, whether or not you are actually claimed as dependent. Note this works both ways - some people claim someone as a dependent, even when they are not eligible to.
You should review the rules for being a dependent starting on page 26 of IRS Pub 17. Note that your offspring must qualify as either a qualifying child or as a qualifying relative.
""None" ( which is directed towards individuals covered by Medicare)"
None means every time it is used in the HSA interview, that you do not have HDHP coverage without conflicting coverage. So it could mean no HDHP coverage, or HDHP coverage with a conflict like Medicare or a regular health policy (not HDHP), or HDHP coverage when you can be claimed a a dependent.
In the HSA interview, when your daughter gets to the first question of "Was [name] covered by a High Deductible Health Plan (HDHP) in 2023", she should check, "No, I did not have coverage." Never mind that she did have HDHP coverage, for tax purposes she did not because your ability to claim her as a dependent.
Then, in the Review, most of the objections should disappear, except for Line 1, where you can enter Self (it won't matter because all the months got set to NONE when she said that she did not have HDHP coverage.
Try this out and see how it works.
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