Health Insurance Coverage

[god1kids2-msn-co]

I only have the option to select a reason why my husband had a lapse in health insurance, but he didn't have any lapse in coverage. Not sure what to do.

[LindaS5247 · Accepted solution]

Check your answer to this question and see if this fixes the issue.

The question on the page before you see that you had a “lapse” in coverage is likely causing the issue.

On the previous page, you should see the question, “What type of High Deductible Health Plan did [spouse] have?”.   

The choices are Family, Self only, or None. 

If you have been covered under your husband’s family plan, you might think you should answer Family to the question.  However, the answer should be None. 

Unfortunately, the question does not clarify that it is only for a small group of taxpayers and that all other taxpayers should answer "NONE".

It is referring to what type of plan you held in your name.  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 husband’s name, then you should choose None.

If this does not help with your issue please come back to Community with more details about your experience so we can better help you.

[god1kids2-msn-co]

Thank you very much, you are correct, that is not an intuitive response to that question.