Why does it think 1 member of my family wasn't covered by our HDHP all year, when we all were?

[mjwhitta]

We are all on the same family plan, and I received 1095-Cs confirming all members were covered all 12 months, but TurboTax says "We see (%N) had a lapse in HDHP coverage. Was this due to disability?" But there was no lapse! And is doesn't say this for any other member of my family.

[Coleen3 · Accepted solution]

The question on the page before you see that you had a “lapse” in coverage is causing the issue.

On the previous page you should see the question, “What type of High Deductible Health Plan did [spouse] have on December 1, 2016?”.  The choices are Family, Self only, or None. 

If you have been covered under your husband’s family plan, you might think you should answer Family to the question.  However, the answer should be None. 

It is referring to what type of plan you held in your name on December 1, 2016.  If you had your own separate HDHP on that date, then choose the type of plan that you had.  If instead you were covered under the plan in your husband’s name, then you should choose None.

[mjwhitta]

OMG! Thank you!

[Coleen3]

my pleasure. glad I was helpful.

[LH9]

Another example of TT not asking their questions in a clear and concise manner.  This issue was there last year. They could add an explanation that if the family member is covered under someone else's family plan then the answer should be none.