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Level 1
posted Jun 1, 2019 4:15:25 AM

TT is telling me that I had a break in HPHP coverage for 2017, however I was covered the entire year by my husband's employer supplied plan. How do I fix this "error"?

2 7 10708
7 Replies
Intuit Alumni
Jun 1, 2019 4:15:27 AM

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, 2016?”.  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, 2016.  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.

To go back to the section of your return to answer the questions again, use the following steps:

  • On the top row of the TurboTax online screen, click on Search (or for CD/downloaded TurboTax locate the search box in the upper right corner)
  • This opens a box where you can type in “hsa” (be sure to enter exactly as shown here) and click the magnifying glass (or for CD/downloaded TurboTax, click Find)
  • The search results will give you an option to “Jump to hsa
  • Click on the blue “Jump to hsa” link and edit your information




Level 1
Jun 1, 2019 4:15:29 AM

Thank you! The page before is certainly not as clear about that as it could be, but that makes sense. Perhaps a line should be added like - "What type of High Deductible Health Plan did [spouse] have IN THEIR NAME on December 1, 2016?" for clarification.

New Member
Jun 1, 2019 4:15:30 AM

I agree with Vanira, that question is horribly misleading.  I ended up w/ the same problem because of it and had to search to find this solution.  At least the search functionality worked exactly as intended and helped me resolve the issue.

Level 1
Feb 17, 2020 12:29:38 PM

Agree.  There needs to be some kind of explanation for that question.  Fortunately was able to find solution quickly here.  Thanks to those that responded!

Level 1
Mar 9, 2020 2:13:50 PM

Thank you for clarifying this poorly written question for me. Unfortunately the question hasn't changed at all for the 2019 Tax Year version of TurboTax. Shame on TurboTax for not revising this question and making it clearer.

Returning Member
Jun 29, 2020 8:59:38 PM

I called and i was told to use NONE as option if you had no lapse. I am amazed that Turbo Tax failed to correct this issue and have not yet added clear instructions to this very confusing question. 

Returning Member
Mar 5, 2021 6:18:05 AM

Thank you. This answer explains the problem and like others in this thread and associated threads, I would love to see the clarification incorporated into the question page.