topic I had the same problem. Turbo Tax should really add this... in Get your taxes done using TurboTax

When entering health insurance information, it says that my spouse had a lapse in coverage of our high deductible plan, but she was covered all year. How do I fix that?

conradvcain — Thu, 06 Jun 2019 14:16:33 GMT

[edited 01/21/18] If this is an HSA issue, here's a great...

MichaelDC — Thu, 06 Jun 2019 14:16:35 GMT

[edited 01/21/18]

If this is an HSA issue, here's a great answer from another poster:

https://ttlc.intuit.com/replies/6480142

I had the same problem. Turbo Tax should really add this...

rustyzimmerman — Thu, 06 Jun 2019 14:16:36 GMT

I had the same problem. Turbo Tax should really add this clarification to the question page, as the answer is not clear.

This so-called answer is no help at all if one spouse was...

eas423 — Thu, 06 Jun 2019 14:16:37 GMT

This so-called answer is no help at all if one spouse was covered under a family plan, and the other spouse had their own individual coverage. I cannot find any solution to that scenario.

having the same problem. what do we do??

jgindy27 — Thu, 06 Jun 2019 14:16:39 GMT

having the same problem. what do we do??

I had the same problem. Turbo Tax should really add this...

sanboy80 — Thu, 06 Jun 2019 14:16:40 GMT

I had the same problem. Turbo Tax should really add this clarification to the question page... please fix this.

If i have family and my spouse has individual does that m...

mgloney — Thu, 06 Jun 2019 14:16:42 GMT

If i have family and my spouse has individual does that mean, due to this error, I can't use turbo tax? I'm thinking I need to use a different tax product this year?

I have the same problem, however this solution does not w...

jlm303 — Thu, 06 Jun 2019 14:16:44 GMT

I have the same problem, however this solution does not work as both my husband and I were covered under individual plans for the entire year, we were never on a family plan.

I ended up using the other big brand software last year,...

eas423 — Thu, 06 Jun 2019 14:16:45 GMT

I ended up using the other big brand software last year, never could get this issue resolved. Seems like it’s a problem again this year so I won’t waste my time.

I am having this issue. Wife has a self HDHP with HSA at...

RUJOE9 — Thu, 06 Jun 2019 14:16:47 GMT

I am having this issue. Wife has a self HDHP with HSA at her company. I have a family HDHP with no HSA for my son and myself. WHAT DO I INPUT HERE?

It's a year later, and I'm having this same issue my firs...

krisandtroy — Thu, 06 Jun 2019 14:16:48 GMT

It's a year later, and I'm having this same issue my first time using TT. In fact, the whole experience is scaring me off because I don't find any of TT user-friendly at all! I consider myself pretty intelligent, well-versed in family financials, and have an excellent command of English, but I'm pretty worried right now! I may just run to an accountant :(

Yea, this answer isn't helpful. I just entered the corre...

jgindy27 — Thu, 06 Jun 2019 14:16:51 GMT

Yea, this answer isn't helpful. I just entered the correct info, my spouse had coverage and there was no lapse.
Also, @krisandtroy, I find the software pretty user friendly. I've used it for about 8 years now and this is the first problem I've encountered. I'd hose the option for expert review and pay less than going to an accountant.

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of our high deductible plan, but she was covered all year. How do I fix that?

erl313 — Sat, 19 Feb 2022 14:01:33 GMT

3 years later in 2022 the site is still saying that exact same thing. I think I will use a different tax site since Intuit doesn't seem to care unless you want to pay them more money for the "better" tax preparation choices they have.

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of our high deductible plan, but she was covered all year. How do I fix that?

jill99 — Mon, 26 Feb 2024 14:58:40 GMT

If the spouse does not carry their own insurance but are covered by the spouses insurance. Go back to the previous question and change your answer to none. This doesn't mean they weren't insured, it means they weren't insured through their employer on their own plan.

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of our high deductible plan, but she was covered all year. How do I fix that?

lttrash — Sat, 18 Jan 2025 19:43:29 GMT

add 2 more years and same issue.

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of...

MarilynG1 — Tue, 21 Jan 2025 20:22:54 GMT

If your spouse had their own HDHP but did not have an HSA, you can receive this error.

If this applies, when TurboTax asks if your spouse had an HDHP, answer None (even if she was not covered under your Family plan).

Here's more info on Lapse in HDHP Coverage.

You can Contact TurboTax Support for more help.

@lttrash

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of...

jdsmith14 — Sat, 22 Feb 2025 19:50:17 GMT

The response here doesn't make sense. My spouse is covered under ths same family plan as me, and she doesn't have any of her own HDHP from other employment. The notice that says - it looks like your spouses HDHP lapsed makes no sense at all.

Did you mean "answer None (even if she was COVERED under your Family plan)."???

Re: When entering health insurance information, it says that my spouse had a lapse in coverage of...

BillM223 — Sat, 22 Feb 2025 23:34:39 GMT

The "lapse" is caused by TurboTax misunderstanding your input. If one spouse does not have an HSA, then they never go through their part of the HSA interview wherein they tell TurboTax what type of HDHP coverage they had. Hence, TurboTax thinks they don't have any HDHP coverage for the current year (2024).

But when you answer "Family" or "Self" to the question about HDHP coverage for that spouse for December 1, 2023, you have just told TurboTax that that spouse had coverage in 2023.

This is why TurboTax thinks there has been a lapse, when there actually hasn't been one. And this is why it is OK to tell TurboTax "NONE" for that spouse on the question about 2023. It is to put an end to TurboTax's confusion.