When
going through the questions, you will get to a screen entitled "
What type of High
Deductible Health Plan did [spouse] have on December 1st 2016?
" If your spouse was covered under
your
health
insurance plan, then you should select "
none
"
not
"
family or self-only
." You
are selecting none because your spouse does not have their own coverage, they
are covered under
your
plan. If you select one of the other options, then
you will get the notification about a coverage lapse.