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