In the HSA interview, when it asks you if you had HDHP coverage in 2024, you should answer "No". So long as you answer Yes, TurboTax will allow your HSA contributions. This is because there is no explicit question asking if you have other conflicting health insurance coverage. Just answer that you had no HDHP coverage.
"TurboTax explicitly asked me whether I had dual coverage," The input in TurboTax does not ask you this; instead, we in the Community would tell you this in your situation (perhaps that is what you are remembering).
The description of what happened on your 2023 return sounds to be exactly what should have happened. And you are right to wonder why it didn't happen again - go back into the HSA interview and state when asked that your HDHP coverage in 2024 was NONE.
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