Entering Employer Sponsored healthcare coverage for entire family

Forum|Forum|2 years ago
January 31, 2024
1 reply
0 views

I have a HDHP, provided by my employer, and paid for by paycheck contributions. It cover me, and my entire family. Turbo Tax appears to somehow believe that my wife is not covered, and keeps asking for forms which do not exist. What did I do wrong?

For example 'What type of HDHP did (name) have on December 1, 2022?' If I select 'Family' it then asks me why the coverage ended, and if it was due to disability. Huh? Her coverage did not end, and she has no disability. We have had the same Family coverage for a number of years. The only other options (self, none) do not apply.

How can I indicate that yes, my wife does have coverage.

Edit: This appears to be related to a response in a previous form. There does not appear to be any means of indicating that I alone contributed to a family HSA account. This is, in my opinion a bug or at least worded poorly. It is entirely possible that one member of a family can contribute solely to an HSA account even if the entitlement is shared by both.

Best answer by BillM223

If your spouse did not have an HSA in 2022, then answer NONE.
If your spouse had an HSA but did not contribute to HER HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
If your spouse was covered by an HDHP policy for each month of 2020, then answer NONE.

In all likelihood, your spouse does not have an HSA, so she never went through the HSA interview to tell TurboTax that she had HDHP coverage, so TurboTax go confused and thought that maybe her coverage "lapsed". Sound familiar? If so, see first paragraph.

BillM223Answer

If your spouse did not have an HSA in 2022, then answer NONE.
If your spouse had an HSA but did not contribute to HER HSA in 2022, then answer NONE. (Remember that each of you can have an HSA).
If your spouse was covered by an HDHP policy for each month of 2020, then answer NONE.

**Say "Thanks" by clicking the thumb icon in a post**Mark the post that answers your question by clicking on "Mark as Best Answer"

magness1

I am having this same issue with Turbo Tax not understanding that we have a family HSA (not sure it understands that they exist) I have reported it to TurboTax but have heard nothing back.

AnnetteB6

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.

Unfortunately, the wording on the screen does not give clarification to exactly how to answer this question. However, following the guidelines above will report your information correctly on the tax forms in the case where only one person contributes to a family HSA covering both the taxpayer and spouse.

@magness1

**Say "Thanks" by clicking the thumb icon in a post**Mark the post that answers your question by clicking on "Mark as Best Answer"