You'll need to sign in or create an account to connect with an expert.
There is information which needs to be confirmed before proceeding. Most of the input will be within the "Personal Information" section. Please see the attached reference to assist you in clearing the message regarding your wife's health insurance coverage.
Health insurance loop - Community
In regards to your HSA contributions, if applicable, you will need to enter information.
In order to do this, go to the Federal section of the program and select "Deductions & Credits".
In the case of a Health Savings account (HSA) issue, please see the attached for assistance in determining what is an allowable contribution for 2019. Please be aware that if both you and your spouse have HSA accounts, the maximum contribution is $7,000 for both of you combined.
Dear Turbo Tax, I am using the PC application (Deluxe) version and I ahve been through this section a few times and the program insists that my wife's coverage has lapsed. I have responded that I am covered by a FAMILY HDHP, and also respond the same for her, the next screen has the lapsed coverage message asking if it was because of a disability. How do I fix this?
OK, what I did was go through it yet again and this time I stated my wife also had an HSA, but contributed zero to it. this then allowed the program to ask about the HDHP and add in the extra line asking about all year, and it then came out right. Need to fix the loops in that part of your program guys.
Your issue is with the question that asks "What type of High Deductible Health Plan did [name] have on December 1, 2018?"
Unfortunately, the question does not clarify that it is only for a small group of taxpayers and that all other taxpayers should answer "NONE".
NOTE: each spouse can have an HSA. The use of "you" below refers to whichever spouse's name was in the question above.
This question is trying to determine if you utilized the "last-month" rule in 2018 (yes, 2018). The last-month rule lets you use the full annual HSA contribution limit if you had HDHP coverage on December 1, even if you were not covered by an HDHP for all of the year.
However, the catch is that if you used the last-month rule, the IRS requires that you stay under HDHP coverage for all of the following year (2019).
***NOTE*** This question occurs on the taxpayer who does not have an HSA, so never had a chance to tell TurboTax in the HSA interview what their HDHP coverage was for 2019.
So, the fix is this: go back to the question (at the end of the HSA interview), and:
Only taxpayers who had their own HSA in 2018 AND who contributed to their own HSA in 2018 should answer “Family” or “Self” or “None” (which can be the right answer in some cases).
Still have questions?
Make a postAsk questions and learn more about your taxes and finances.
Jisooh123
New Member
ajv28
New Member
olegyk
Level 1
mcht
Returning Member
mcht
Returning Member
Did the information on this page answer your question?
You have clicked a link to a site outside of the TurboTax Community. By clicking "Continue", you will leave the Community and be taken to that site instead.