I assume that you are married, yes?
In all likelihood, one of you does not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage, so TurboTax got confused and thought that maybe your coverage "lapsed". Sound familiar? If so, see the bulleted list.
- If you or your spouse [whoever is NAME above] did not have an HSA in 2024, then answer NONE.
- If you or your spouse had an HSA but did not contribute to an HSA in 2024, then answer NONE. (Remember that each of you can have an HSA).
- If you or your spouse was covered by an HDHP policy for each month of 2023, then answer NONE.
That is, answer NONE to the question "What type of High Deductible Health Plan did [name] have on December 1, 2023", because the question doesn't apply to you.
The alternative is that you did not have HDHP coverage at all in either 2023 or 2024, so that question did not apply to you, so you should have answered NONE.
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