Thank you for this answer. In a time when there is a federal mandate that we have health insurance, it makes us feel like flags are raised when we answer None to this question. As suggested, simply adding the phrase 'in her own name' would remove anxiety with providing the false answer by making None the accurate answer. As it is, we must intentionally respond inaccurately to move on in the tax form. This needs to be corrected. My wife had a family HDHP plan as of December 1, 2016 under my name. I will now lie and answer none on the form so that I don't get the question about the non-existent lapse in coverage.
