My wife has HSA thru her employer and she also has non HSA insurance thru my employer.Is she covered by HDHP?

[BMcCalpin]

The IRS states that you cannot contribute to an HSA if you have non-HDHP coverage, even while you also have HDHP coverage. Thus, if your wife has HDHP coverage, but she is also covered by your non-HDHP policy, then as far as the IRS is concerned, she does not have HDHP coverage.

In TurboTax, you need to answer "None" for any month in which she was covered by your non -HDHP policy.

Note that she still has the HSA, she just is not eligible to contribute to it.

The way to restore her eligibility to contribute to her HSA is to (1) ask her benefits person to confirm that she has HDHP coverage, and (2) for you to remove her from your non-HDHP policy.

For more information about this conflict in coverage, please read pages 3 and 4 at https://www.irs.gov/pub/irs-pdf/p969.pdf