I answered that neither my spouse nor I had an HSA, MSA, or Medicare Advantage MSA. Next question, on what type of HDHP did I have 12/1/22, I answered "Family". Then the next question asks if my coverage lapsed because of disability or other reasons. My HDHP plan did not lapse at all during 2023. Why is it assuming that it did. The only two options to answer the question would be untrue. Please help.