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None is the correct answer. The question is asking if your wife has her own separate HDHP. Since she is covered under yours, you enter None here. Please see the answer I gave to a very similar question by clicking on the following link: https://ttlc.intuit.com/questions/4184429
None is the correct answer. The question is asking if your wife has her own separate HDHP. Since she is covered under yours, you enter None here. Please see the answer I gave to a very similar question by clicking on the following link: https://ttlc.intuit.com/questions/4184429
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