Thanks for your response. You confirmed my understanding that I would owe no penalty on my contributions to my HSA. What still concerns me, however, is the terminology used by TT--specifically "lapsed". My HDHP coverage never lapsed. For purposes of accessing whether or not I was eligible to contribute to my HSA all year in 2018 I understand that the months I was on Medicare Pt A (while also covered by my HDHP) I was ineligible to do so. No problem. I didn't. But to characterize those months as having no coverage (and forcing me to check "No, the coverage ended for other reasons" to find out if I went on disablity for those months) is inaccurate and conflicts with the facts. I wish TT could change their terminology and figure out a different way to ask the question. I fear that TT is reporting that I didn't have health coverage for part of 2018. Medicare Pt A only covers hospitalizations, not regular medical care. So my question now is...Is TT reporting that I did not have HDHP coverage for all of 2018 to the IRS?
