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None is the correct answer. You are reasoning correctly: the question is asking if he has his own HDHP. Since he is covered by your Family HDHP, he does not have an HDHP of his own. So you should just say "none" in that box, and it should remove that diagnostic.
None is the correct answer. You are reasoning correctly: the question is asking if he has his own HDHP. Since he is covered by your Family HDHP, he does not have an HDHP of his own. So you should just say "none" in that box, and it should remove that diagnostic.
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