Wanted to follow up to your additional comment. I finished my return after your response and as you said, the program gave the correct result. The Health Insurance section still showed that I had coverage all year and the HSA form 8889 figured the correct amount that I could safely contribute to the account without penalty based on only 10 months of HDHP (without Medicare also) coverage. And the return included no scary, though literally correct, terminology on the return itself. So everything turned out well in the end.
Thanks for your detailed response to all my concerns regarding TT's handling of this section.
