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Even though it would seem that there is a problem with the TurboTax input screens, they are capable of reporting your situation correctly and accurately.
Take a closer look at the question on the screen just prior to the one telling you there was a lapse in coverage.
If both you and your spouse are covered under the same family plan, then the person with the HDHP in their name will indicate they had a family plan. The other person will indicate they had None because the HDHP was not in their name.
Thank you. Your explanation is much clearer than the question. It should be added to the question
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