An HSA can only have one taxpayer's name (there is no such thing as a joint HSA). Medicare disqualifies you from having an HSA. You'll pay the penalty until the funds are exhausted or withdrawn. The proper answer to HDHP coverage in Turbotax is "NONE" but for the 8889 to be able to e-file select self. This question relates to the taxpayer's HDHP coverage not who the funds can be used for.
