The client contributed to an HSA for most of the year, even though she is covered by a low deductible health plan. Obviously she doesn't qualify for the HSA deduction and needs to pay the additional tax on the overfunded HSA.
But, because she had activity in her HSA she needs to file a 8889 (with the deductible contribution limit of 0). For line 1 of the 8889, the options are HDHP self or HDHP family. She had neither. But leaving it blank gives me a critical diagnostic error. How do we file a 8889 for someone who was covered the whole year under a LDHP and made excess contributions?
