I think I understand now...when the TurboTax wizard goes through and wants me to state if Sasha had coverage during 2023 for a HDHP and I select "Self-Only" it does what you said it would do, and prompts me to choose an entry for each month of coverage during 2023, which I set to "None" from January-December.
This is what it allowed me to do after I opted to "not withdraw funds by 4/15/2024" in the prior steps of the wizard, which accurately reflects our inability to withdraw the remaining $79 ....cuz it ain't there, lol.
It lowers our refund a couple hundred dollars, but I think that would satisfy the IRS, don't you? I'd rather play it safe than sorry.
