Why hasn't Intuit fixed this in the 8 or 9 years since this question was asked (It's now 2025)? Isn't the point of paying for Turbotax that it guides us by answering clear easy questions, and that we don't have to scour the internet for posts that say something to the effect of "well, TurboTax asks this, but really means this...".
The question on the page before you see that there was 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 the spouse had been covered under the taxpayer's family plan, you might think you should answerFamilyto the question. However, the answer should beNone.
It is referring to what type of plan the spouse held in their name on December 1, 2016. If the spouse had their own separate HDHP on that date, then choose the type of plan that the spouse had. If instead the spouse was covered under the plan in the taxpayer'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:"
