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Answered: I had to select no when it asked what sort of insurance I had on 12/1/2016. It was asking if I had my own coverage and I did not. I had my spouse's coverage.
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From your “Answered” comment, I see you figured it out. I’m posting this for additional details in case others have the same question.
The question on the page before you see that you had a “lapse” in coverage is causing the issue.
On the previous page you should see the question, “What type of High Deductible Health Plan did [spouse] have on December 1, 2016?”. The choices are Family, Self only, or None.
If you have been covered under your spouse’s family plan, you might think you should answer Family to the question. However, the answer should be None.
It is referring to what type of plan you held in your name on December 1, 2016. If you had your own separate HDHP on that date, then choose the type of plan that you had. If instead you were covered under the plan in your spouse’s name, then you should choose None.
To go back to the section of your return to answer the questions again, use the following steps:
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