I had no health insurance and no HSA, but our insurance was through my wife's employer. I answered None for myself, and Family coverage for my wife. The amount is on my wife's W2, already entered in Turbo Tax. Why does Turbotax say there was a lapse in her coverage? There wasn't? The only answer I can find online refers to fixes for those using the online software. I am not using that, I am using a CD. Also, we did not have a HSA so there are no questions in the HSA section that are relevant.