HDHP / HSA Question

I am not sure but perhaps @dmertz will have some input.

you need to check that for your HSA you had FAMILY HDHP coverage all year. I do not understand how your wife can be an agent. An HSA has an administrator which is the institution holding the HSA funds such as a bank, brokerage,etc.   

1) answer yes to less common income

2) check that only you had an HSA account - continue

3) answer the question on the next page(s) 

4) did you put money into HSA  - answer yes 

5) enter the amount put in personally. do not include money put in from your employer (that would be on your w-2) 

6) answer question about other employer contributions

7) answer medicare question

😎 answer the question about being covered by an HDHP in 2021

9) then answer covered by family plan every month of the year (assuming that's true)

10) there may be a question about overfunding from 2020 - if so answer it

11) finally there's a question about  the type of HDHP coverage your spouse had on 12/1/2020 note the year 

this is a question that concerns the spouse having their own HDHP and contributing to their own HSA  in 2020 - so unless they did answer none. there are additional reasons for this question but since the spouse apparently did not have their own HSA account in 2020, they're irrelevant.

for 11 you probably entered "family" and that is what's causing the issue 

unless your spouse had their own HSA (there would be an 8889-S form in the return for 2020), the spouse made $0 contributions.