1. Does she answer YES to the question "was she 65 when she received this distribution?" If she received a 1099-SA reporting on a distribution, then yes/no depends on her age on when she received the distribution. This is on a day-by-day basis. This makes a difference only if she received a distribution for reasons other than medical expenses (20% penalty), because the penalty is suspended if (1) she was 65 when distributed or (2) the distribution was for qualified medical expenses.
2. Does she select she had Medicare (applied in Nov 2025) when it asks, “Did any of these apply?” on the screen, "Do any of these situations apply to [name]?", answer 'yes' because she started Medicare in 2025.
3. Does she select she had different plans in 2025? Yes, she had Self-only in some months and Medicare in other months.
4. For 2024, she had "Self" plan for whole year 2024, but TT shows Jan 2024 "None", even though I put it in every month as Self. - this is a current issue we are dealing with, and it may potentially matter a lot (or not at all - depends). Are you using the desktop product? If so, then go to Forms (upper right) and find form 8889-S on the left (I am assuming that you are the primary taxpayer (8889-T) and your spouse is 8889-S). Please find line 18b1, and change January's insurance to "Self". Then don't touch the step-by-step page which fills in this screen. Before you file, you may need to check the Forms screen to make sure that this entry is correct.
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