TT question about HDHP plan coverage

[ALJKGraesch]

I got to the TT (desktop version) page where it is asking what type of HDHP plan (family, self only or none) I had as of 12/01/2022. I am on Medicare (and have been since April 2020) and have had additional coverage thru Aetna the last 2 - 3 years, however, if I answer this question as "self only" then the next screen is indicating I had a lapse in coverage in 2023 which I did not? Very confusing. Since I'm on Medicare with the additional Aetna coverage should I be answering this question as "self only" or "none"? Thank you!

[DavidD66]

You probably shouldn't be on that page answering that question.  It sounds like you are in the Health Savings Account (HSA) section.  In order to contribute to an HSA, you must have a High Deductible Healthcare Plan (HDHP).  However, Once you enroll in Medicare Part A and/or B, you can no longer setup or contribute pre-tax dollars to an existing HSA. This is because to contribute pre-tax dollars to an HSA you cannot have any health insurance other than a HDHP.  If you have been contributing to an HSA while you're enrolled in Medicare, you may be subject to IRS penalties on what are considered “excess contributions,” including a 6% excise tax charge for each year the contributions remain in the plan.