HDHP Lapse

[BillV3]

My wife has the family HDHP in her name with our kids, my HDHP is self only.  When going through the HSA questionairre, the HSA box is marked for my wife and I have tried to mark the box none of the above, but every time I go back its blank.  When finishing out the section after I indicate my wife's status, it asks what coverage I had in 2022, I mark self-only.  The next page it shows a lapse in coverage for 2023 which is not accurate.  I have deleted both w-2's and no luck.

[Mike9241]

an 8889 has to be prepared for each of you that has an HSA. there is no such thing as a joint HSA. the other thing is since you are married and your spouse had a family HDHP so do you according to the tax rules  

for the spouses w-2 make sure the spouse box is checked.

" have tried to mark the box none of the above" - what box are you referring to?

[BillV3]

There is a question that asks what type of account we had HSA, MSA FSA or none.  My wife has the box HSA checked as her employer contributes to it as does she from her payroll  I’ve tried to mark none for me since there is not an HSA in my name and I don’t contribute via payroll or otherwise, but every time I mark the box none, TT does not save it.  Then I get the question about 2022 coverage and that there was a lapse in my coverage for 2023.  I have a 1095-c showing a full year coverage for 2023.  I’ve deleted both W2 and manually entered them.  Not sure where it’s pulling that data from to trigger the lapse.

[BillM223]

You do not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage. So TurboTax go confused and thought that maybe your coverage "lapsed". 

• If you did not have an HSA in 2022, then answer NONE.
• If you did have an HSA but did not contribute to your HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
• If you were covered by an HDHP policy for each month of 2022, then answer NONE.

[BillV3]

thank you, I tried leaving it at none but kept getting the same lapsed coverage result.  I finally marked HSa next to my name and indicated $0 in contributions and was able to proceed without a problem.  Seems like a TT bug.  I filed already and if the IRS has questions I’ll work that out.

[BillM223]

I know this advice works, so I must have misunderstood your situation.

Your spouse had the HDHP plan, but did NOT have an HSA? This is unusual, but not wrong.

Ah, so it was your spouse who did not go through the HSA interview, hence did not indicate that your spouse had HDHP coverage. 

But I don't understand how NONE did not work, unless you were putting it someplace else. It's the answer to the question, "What type of High Deductible Health Plan did [name] have on December 31, 2022?"