Why is TurboTax is randomly asking "did Amy's high deductible health plan coverage lapse in 2022 due to disability?" when I was covered all of 2022 by my husband's HDHP.?

[hebert-amy]

It wants me to answer either "Yes, the coverage ended due to disability" or "No, the coverage ended for other reasons" ...but my coverage never ended, I was covered year-round.

[MarilynG1 · Accepted solution]

If you husband had a Family HDHP Plan, you would select 'None' when asked about your HDHP plan, since you are covered under his plan. 

Here's more info on HDHP Plans.

[hebert-amy]

Got it!! The wording of that question was definitely confusing in a world where there are tax implications of you go uninsured. Thanks for clarifying. That solved my problem.  

[BRHSBulldog]

I have the same question.  My family and I are covered under a health plan provided by my wife's former employer.  I get this question: What type of HDHP did Jeremy have on Dec. 1, 2021?  I answer "none."  Then the next question asks what type of plan my wife had, and I answer "family."  Then Turbotax asks did my wife's HDHP lapse in 2022 due to disability and notes that TurboTax sees that she had a lapse of coverage.  What?  She had no lapse.  This makes no sense!