Wife Health plan did not end, only option is to answer if it ended because of disability, it didn't end! How should I answer HDHP coverage question for wife?

[Coleen3 · Accepted solution]

The question on the page before you see that you had a “lapse” in coverage is causing the issue.

On the previous page you should see the question, “What type of High Deductible Health Plan did [spouse] have on December 1, 2018?”.  The choices are Family, Self only, or None. 

If you have been covered under your husband’s family plan, you might think you should answer Family to the question.  However, the answer should be None. 

It is referring to what type of plan you held in your name on December 1, 2018.  If you had your own separate HDHP on that date, then choose the type of plan that you had.  If instead you were covered under the plan in your husband’s name, then you should choose None.

Updated

[JCD4]

***This is a program BUG - how do we get Turbo Tax to address it?

I'm having the same problem in 2020.  If your spouse has never had their own HDHP and has always been part of your HDHP (every year), it shouldn't be asking about the spouses prior December disqualification. Plus, it is incorrectly creating a FORM 8898-S with Decembers box marked "none".

The Step-By-Step questionnaire should be corrected and only produce additional forms when necessary.