HDHP Lapse that didn't happen

[louis_schilling]

TT is giving me a screen that says "Did Mary's High Deductible Health Plan coverage lapse in 2023 due to disability?" and providing a radio button answer, neither choice of which is valid for us. Our family HDHP never lapsed at all for either of us during 2023 or any other year. Where is TT getting this information from and how would TT know anything about our health coverage?

[AnnetteB6 · Accepted solution]

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.  

[TaxMI]

While that 'answer' of selecting none seems to get the desired result, I would argue the question is so poorly written it caused  (and continues to cause) visits to the Community Help site. Maybe TT 2024 will correct it?

[redlinechavez]

OK I'll select None.  I still think TT wording is incorrect.  Did someone in Security set up this question, nothing they do makes any sense.  

[kfabela11]

This did not work for me. I have the HDHP plan from my employer so I used family under my name and none under my husbands. It still says I had a lapse in coverage.

[BillM223]

@kfabela11 

Did you have an HSA in 2022?

Did you make any contributions to it in 2022?

Did you have HDHP coverage for all months in 2022 (or HDHP for no months)?

If your answers are NO, NO, and YES,

then answer NONE to the question about coverage on December 1, 2022.