topic I received the question "Did XX High Deductible Health Plan coverage lapse in 2024 due to disability?" but never had a lapse in health insurance. in Deductions & credits

I received the question "Did XX High Deductible Health Plan coverage lapse in 2024 due to disability?" but never had a lapse in health insurance.

christina0617 — Tue, 03 Feb 2026 13:36:44 GMT

I had an individual plan in 2023 and a family plan in 2024.

Re: I received the question "Did XX High Deductible Health Plan coverage lapse in 2024 due to dis...

BillM223 — Mon, 03 Feb 2025 19:56:49 GMT

And was XX your name? And you had High Deductible Health Insurance, not some other kind of health insurance?

If so, since you had Self only coverage in 2023 and Family coverage in 2024, this question does not apply to you, so answer, "NONE".

Re: I received the question "Did XX High Deductible Health Plan coverage lapse in 2024 due to dis...

stevedallas1215 — Wed, 12 Feb 2025 03:21:16 GMT

"None" is not an available answer to this question. The only answer are "yes, it was due to disability" or "no, if was for some other reason." Neither answer is correct if the person didn't have a lapse in coverage in 2024. I'm getting the same error for my wife, but she we had a family plan under my insurance in both 2023 and 2024.

Re: I received the question "Did XX High Deductible Health Plan coverage lapse in 2024 due to dis...

AnnetteB6 — Wed, 12 Feb 2025 15:02:37 GMT

Take a closer look at the question on the screen just prior to the one telling you there was a lapse in coverage.

If both you and your spouse are covered under the same family plan, then the person with the HDHP in their name will indicate they had a family plan. The other person will indicate they had None because the HDHP was not in their name.

@christina0617

@stevedallas1215