Why is TT asking if my spouse's HDHP coverage lapsed in 2021 due to a disability?

[JMuldoon]

My spouse has been covered under my HDHP Family plan for the entire year, and that's what I indicated during the TT interview, but I'm getting this question about why her coverage lapsed, so I'm not sure what is triggering this question.  When I look at the 8889-S Form, it doesn't show any coverage.   Any suggestions on how to correct this would be appreciated. Thanks.

[ColeenD3 · 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, 20xx?”.  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, 20xx.  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.

To go back to the section of your return to answer the questions again, use the following steps:

On the top row of the TurboTax online screen, click on Search (or for CD/downloaded TurboTax locate the search box in the upper right corner)

This opens a box where you can type in “hsa” (be sure to enter exactly as shown here) and click the magnifying glass (or for CD/downloaded TurboTax, click Find)

The search results will give you an option to “Jump to hsa”

Click on the blue “Jump to hsa” link and edit your information

[JMuldoon]

That worked!  Thanks for the help.

[CherylHouston]

I had this same question again this year (and a few years prior).  Where do I make a request that TT make it easier to answer this question.  The way it is worded is VERY confusing and I would love it it TT would fix it.  To whom do I make that request?

[BillM223]

You have just made the request here on this forum. Thank you!

[gopack927]

Coleen - 

I've seen many responses to this issue but you provided the best answer - right to the point and easy to understand.  I too was choosing "family" for my spouse but realized while I do have an HDHP Family Plan, the HSA is in my name only (See 1099-SA Tax Form). Thanks!