I had health coverage 12 mos/year. TT says I had a lapse. I can either select that it was due to a disability or that it lapsed for other reasons. How do I show no lapse?

[ColeenD3 · Accepted solution]

Where did you enter the information to get this message? Did you have a 1095-A? You need to click on each month to show that you had the insurance. There is no other screen that asks if you had insurance.

Is this regarding an HSA?

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, 2019?”.  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. 

It is referring to what type of plan you held in your name on December 1, 2019.  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.

To go back to the section of your return to answer the questions again, use the following steps:

• On the top row of the TurboTax online screen, click on Search (or for CD/downloaded TurboTax locate the search box in the upper right corner)  
• This opens a box where you can type in “hsa” (be sure to enter exactly as shown here) and click the magnifying glass (or for CD/downloaded TurboTax, click Find)
• The search results will give you an option to “Jump to hsa”
• Click on the blue “Jump to hsa” link and edit your information.

[danyaplatt-mail-]

Thank you so much, ColeenD3! Yes, that answers my question. I thought that since I was covered by a Family HSA that I should mark "Family" for HSA. But you are correct - it is listed in my husband's name, not mine. So I've corrected the entry to "None" and the lapse message went away. Beautiful! Many thanks!