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Level 1

Question

Deductions & Credits-HDHP

Forum|Forum|6 years ago
February 8, 2020
1 reply
0 views

Why does TurboTax think my spouse had a lapse of coverage? The question before this is What type of HDHP did my spouse have on 12/1/18? to which we answered "Family" since he met the eligible individual criteria. There has never been any lapse of coverage so what question is triggering that there is a lapse of coverage?

Employee Tax Expert

Employee Tax Expert

Try the following:

Review your input for your HSA contributions and distributions.

In order to do this, go to the Federal section of the program and select "Deductions & Credits".

Select Medical (you may have to select see all if you do not see this option)
Under Medical, select "HSA, MSA Contributions"
Follow the screens and answer the questions
Enter any information from any 1099-SA forms.
Confirm whether the distributions were used on medical expenses.
Confirm if you or your spouse were covered under a "High Deductible Health Plan" (HDHP).
Please confirm the year as you answer the questions.
If it refers to the coverage under an HDHP in 2018, please answer None in all of the following situations:
- You had an HSA in 2018 but did not contribute
- You had HDHP coverage for all of 2018
- You had no HDHP coverage for all of 2018
- You did not have an HSA in 2018
By answering None to all of the options in 2018, the error message regarding the lapse in coverage will go away and you will be able to proceed with your return.

HSA input

I have attached a link to additional information regarding HSA's to help you confirm you meet all of the requirements.

HSA contributions

[Edited 02/10/20|11:14am PST]

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Level 2

going back to the original question that TurboTax asks whether my spouse has

a HSA we assumed it meant a separate 1099-SA but the program makes an error if not answered YES

Employee Tax Expert

Employee Tax Expert

It would actually be referring to a separate High Deductible Health Plan, not a 1099-SA form.

If she is covered under your family plan, then you would select None for her.

If she has her own HSA plan, then you would select Yes for her.

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