Entering Employer Sponsored healthcare coverage for entire family

[Loueloui]

I have a HDHP, provided by my employer, and paid for by paycheck contributions. It cover me, and my entire family. Turbo Tax appears to somehow believe that my wife is not covered, and keeps asking for forms which do not exist. What did I do wrong?

For example 'What type of HDHP did (name) have on December 1, 2022?' If I select 'Family' it then asks me why the coverage ended, and if it was due to disability. Huh? Her coverage did not end, and she has no disability. We have had the same Family coverage for a number of years. The only other options (self, none) do not apply. 

How can I indicate that yes, my wife does have coverage.

Edit: This appears to be related to a response in a previous form. There does not appear to be any means of indicating that I alone contributed to a family HSA account. This is, in my opinion a bug or at least worded poorly. It is entirely possible that one member of a family can contribute solely to an HSA account even if the entitlement is shared by both. 

[BillM223 · Accepted solution]

• If your spouse did not have an HSA in 2022, then answer NONE.
• If your spouse had an HSA but did not contribute to HER HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
• If your spouse was covered by an HDHP policy for each month of 2020, then answer NONE.

In all likelihood, your spouse does not have an HSA, so she never went through the HSA interview to tell TurboTax that she had HDHP coverage, so TurboTax go confused and thought that maybe her coverage "lapsed". Sound familiar? If so, see first paragraph.

[magness1]

I am having this same issue with Turbo Tax not understanding that we have a family HSA (not sure it understands that they exist)  I have reported it to TurboTax but have heard nothing back.  

[AnnetteB6 · Accepted solution]

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.  

Unfortunately, the wording on the screen does not give clarification to exactly how to answer this question.  However, following the guidelines above will report your information correctly on the tax forms in the case where only one person contributes to a family HSA covering both the taxpayer and spouse.

@magness1 

[magness1]

Thank you for the information.  Unfortunately, I can't find where to indicate that we have family coverage through my husbands employer.  Can you tell me where it asks this?  If I can correct this, perhaps it will not assume that we have separate HSA accounts.

[magness1]

Also, I didn't get a message that there was a lapse in coverage, I just can't get turbotax to understand that we have a family HSA.  (i think i replied to someones question in error)  I have tried to ask this 3 or 4 times and it says it was submitted but i never get the email it says I should receive.

[AnnetteB6]

The type of HSA is entered in the Deductions & Credits > Medical > 1099-SA, HSA, MSA section of your return.  

As you start this section, check the box indicating who has the HSA account.  Then the program will ask questions about what type of account along with other information needed to verify that you were eligible to make HSA contributions that may have been reported on the W-2 of the HSA account holder.  

@magness1