Turbotax asks what type of plan HDHP plan I had on December 1 2019. I tell it family because I was on my wife's HDHP plan between Spring 2019 and today. Previous to spring (~March) 2019 I was on my own plan.
Turbotax then says it has detected that I had a lapse in HDHP coverage during 2020 and wishes to know if this was related to a disability or other reasons.
I don't know what to do because this lapse did not happen. Is this a bug?
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, 2019?”. 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, 2019. 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: