My family and I are covered under a health plan provided by my wife's former employer. I get this question: What type of HDHP did Jeremy have on Dec. 1, 2021? I answer "none." Then the next question asks what type of plan my wife had, and I answer "family." Then Turbotax asks did my wife's HDHP lapse in 2022 due to disability and notes that TurboTax sees that she had a lapse of coverage. What? She had no lapse.
If I instead answer "family" for the type of HDHP that I have, then the next question asks did Jeremy's HDHP lapse in 2022 due to disability.
My HDHP did not lapse and neither did my wife's plan. How do I possibly answer these questions truthfully? This makes no sense.