Inputting 1099 SA, Turbo Tax states, "we see that (wife's name) had a break in HDHP health plan coverage during 2017." There was no break in her coverage. How to correct?

[AnnetteB · Accepted solution]

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 answer Family to the question.  However, the answer should be None. 

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:

• 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

[cnschiller]

I keep having this problem no matter how I try to fix it (even deleting forms and removing any W on line 12 of W2.  I suspect now, after many hours wasted, that it really has to do with JUST the HSA part for the form 1099SA. I have my own separate HDHP that I carry on which my children and I are covered (husband has separate ins) but it does not have a HSA account with it. I really am not sure how to answer this and none of turbo taxes answers help. I finally am settling on answering NONE since I did not have an HSA even though I am not covered under my husbands plan BUT I am on his HSA. I then answer YES we all had coverage the whole year under the health insurance question. Turbo tax needs to correct this and be accurately clear, especially since one of the answers says there was an problem earlier on and gives you instructions for fixing it by deleting things and reentering. I went thorough all of that and I still got the same results, their other option to "fix" is clear/delete everything and start over- how well do you think that works? I will NOT be using turbo tax again.