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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.
Enter your E-mail address. We'll send you an e-mail with instructions to reset your password.