My husband does not have a HDHP but his employer puts $1000 in an HSA every year which he uses for medical bills. He doesn't contribute to the HSA at all. The 8889-S form is forcing me to say that he had a HDHP when he didn't and asking questions like what months he had this coverage when he didn't have it at all.
Not sure how to handle this but the headache is not worth $1000.
