What I
suspect happened is that your spouse does not have his own HSA, just shares your
HDHP coverage. As a result, you never answered questions about his HSA (because he doesn't have one) to tell TurboTax the months that he had HDHP coverage in
2017.
At the
end of the HSA interview, TurboTax needs to ask "Was [his name] covered by
a High Deductible Health Plan (HDHP) in 2016?" to find out if he took
advantage of the "last-month" rule in 2016. The last-month rule
allows a taxpayer to use the full annual HSA contribution limit, even if the
taxpayer was not in the HDHP all year.
When
you answered either "Family" or "Self" to that question above and TurboTax did see that you had not shown his coverage for 2017, the TurboTax assumed that he had
a break in coverage.
Your
solution is to just go back to that question and answer "None" if
your spouse at no time in 2016 had an HSA and/or made no contributions to it.
That way, the error message will be skipped and you can continue with your
return.
