I had a self-only HDHP in all 2024, but only two months in 2025, because I was laid off from my job in February. I was then added to my husband's Family HDHP (joining him and our children). Then he was laid off from his job in August. We had our HDHP via Cobra until October when we attempted to find a new, less expensive plan via the healthcare marketplace (since we were both unemployed at the time). Only to learn that I was ineligible for a marketplace plan, and me and my children were pushed over to our state's Medicaid program. My husband was able to get a plan through the marketplace.
I'm entering all of our HSA info for 2025, but TurboTax is showing that my 2024 HSA contributions have to reported as income since I wasn't covered by an HDHP all of 2025. But for the aforementioned reasons, this doesn't seem right. The only exceptions it seems to deem allowable are death or disability...nothing about job loss.
Is there a different way I need to approach this?
