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Level 3
posted Mar 14, 2025 11:34:30 AM

Did X's high deductible health plan coverage lapse during 2024 due to disability ?

according to Turbo tax :

we do see X's has a break in HDHP plan coverage during 2024.let us know if this was due to disability 

Que:

Hello I do see above selection once I get to health coverage.my wife does get his correct choices but when I tried my selection I do get above.How do I correct this ? I did have HDHP coverage during 2023 and 2024 with no lapse in coverage  anytime and no disability. 

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1 Best answer
Expert Alumni
Mar 14, 2025 12:33:17 PM

In all likelihood, one of you does not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage, so TurboTax got confused and thought that maybe [Name's] coverage "lapsed". Sound familiar? If so, see the bulleted list.

 

  • If you or your spouse [whoever is NAME above] did not have an HSA in 2023, then answer NONE.
  • If you or your spouse had an HSA but did not contribute to an HSA in 2023, then answer NONE. (Remember that each of you can have an HSA).
  • If you or your spouse was covered by an HDHP policy for each month of 2023, then answer NONE.

That is, answer NONE to the question "What type of High Deductible Health Plan did [name] have on December 1, 2023", because the question doesn't apply to you.

1 Replies
Expert Alumni
Mar 14, 2025 12:33:17 PM

In all likelihood, one of you does not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage, so TurboTax got confused and thought that maybe [Name's] coverage "lapsed". Sound familiar? If so, see the bulleted list.

 

  • If you or your spouse [whoever is NAME above] did not have an HSA in 2023, then answer NONE.
  • If you or your spouse had an HSA but did not contribute to an HSA in 2023, then answer NONE. (Remember that each of you can have an HSA).
  • If you or your spouse was covered by an HDHP policy for each month of 2023, then answer NONE.

That is, answer NONE to the question "What type of High Deductible Health Plan did [name] have on December 1, 2023", because the question doesn't apply to you.