"- No questions asked about year 2016."
I don't understand this. Every taxpayer gets asked this question ("Was [name] covered by a High Deductible Health Plan (HDHP) in 2016?"), even if they don't have an HSA. It's because you might have had one in 2016 and TT needs to check on whether HDHP coverage was kept through all of 2017. Note that it is asked at the end of the HSA interview, after you see the HSA Summary.
Indeed, when you answered "Family" or "Self" to the 2016 question, this is why "TurboTax assumes that my wife had break on her health coverage". That message comes up ONLY after you are asked the question about 2016.
