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If your spouse did not have an HSA in 2022, then answer NONE.
If your spouse had an HSA but did not contribute to HER HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
If your spouse was covered by an HDHP policy for each month of 2020, then answer NONE.
In all likelihood, your spouse does not have an HSA, so she never went through the HSA interview to tell TurboTax that she had HDHP coverage, so TurboTax go confused and thought that maybe her coverage "lapsed". Sound familiar? If so, see first paragraph.
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