Question

Question about Medical Insurance coverage

Forum|Forum|6 years ago
February 10, 2020
1 reply
0 views

I'm using TurboTax premium to do my 2019 tax return. When I got to the section regarding medical insurance coverage, it asks "What type of High Deductible Health Plan did you have on December 1, 2018?". I checked "None" since my medical insurance is via my former employer - not the ACC. The program then asks me if I received my 1095-A assuming that my coverage was via the ACC. Last year the program asked me if I had coverage for the entire year and then about my 1095-C...which I also have for 2019. Can anyone please tell me, is there a glitch in the program (and if so, when will it be fixed), or am I entering something incorrectly (and if so, where did I go wrong)?

DawnC

Employee

The health insurance entry screens have changed for the tax year 2019. There is no longer a penalty assessed, so the only insurance forms that have to be entered are 1095-As. You are in the HSA section of TurboTax, not in the health insurance section.

If you have a 1095-C, you do not have to enter it or answer any questions about health insurance this year. Just keep it for your records.

When you see the question What type of high-deductible plan did you have on 12/1/18? you are answering the question about the Health Savings Accounts (HSA). These are not health insurance questions. You only need to answer those if you have an HSA and those questions are usually generated because you have a code W in Box 12 of your W-2. You can skip those questions if you do not have an HSA. Click the link for more information.

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

C

charlenecavanaugh64Author

Hi Dawn,

Thank you for your quick response, but I'm not asking about the question regarding Health Savings Accounts. On that screen, it asks if you had a HSA, MSA or Medicare Advantage MSA or None of the above. Since I didn't have any health savings account, I checked "None of the above". When I click on Continue, it takes me to the next screen which specifically asks: "What type of High Deductible Health Plan did you have on December 1, 2018?" It is not talking about savings plans...but Health plans. It further states "If you had HDDP on December 1, 2018, but failed to be an eligible individual for other reasons, select None. It gives you three choices: Family, Self Only or None. Again, since I do not have coverage via an HDDP (the ACC), I selected none and that's when it goes on to state that I've had a break in my coverage and wants to know the reason for that break. Given I've never participated in the HDHP (ACC), I don't know why the program is asking me this initial question let alone goes on to ask me further questions about a supposed break I had in the HDHP. And if I answer the initial question about what type of HDHP plan I have as "Self Only", it again assumes I had a break in that coverage and is asking me why. I have medical insurance coverage via my former employer and I have out of pocket medical expenses that the plan doesn't cover which I should be allowed to enter (and the program does let me do that), but I'm confused as to why it's assuming I (and possibly others) participated in the HDHP when, in fact, I did not (and it would seem that there should be an option to select "I have medical coverage via a non-HDHP plan" which should by-pass those screens asking about a break in HDHP coverage. If you, or anyone, knows why the program is doing this and a way around it, please let me know. Or if you can provide a way to contact TurboTax/Intuit directly to ask about this issue, I would be very grateful as I'm thinking this is a glitch in the program that needs to have an update made to correct it. Thanks!

B

BillM223

"it goes on to state that I've had a break in my coverage and wants to know the reason for that break. "

TurboTax would tell you this in response to the question "What type of High Deductible Health Plan did you have on December 1, 2018?" only if it thought that you had an HSA.

My assumption must be that you somehow accidentally indicated to TurboTax that you had an HSA.

Rather than trying to agonize over it trying to figure it out, the easier thing would be to delete any HSA data in your return, then when you get back to the question What type of High Deductible Health Plan did you have on December 1, 2018? answer NONE as you did before. This time TurboTax should continue without comment.

To delete all HSA and HDHP data from the return, please do the following:

1. make a copy of your W-2(s) (if you don't have the paper copies)

2. delete your W-2(s) (use the garbage can icon next to the W-2(s) on the Income screen

*** Desktop***

3. go to View (at the top), choose Forms, and select the desired form. Note the Delete Form button at the bottom of the screen.

*** Online ***

3. go to Tax Tools (on the left), and navigate to Tools->Delete a form

4. delete form(s) 1099-SA (if one), 8889-T, and 8889-S (if one)

5. go back and re-add your W-2(s), preferably adding them manually

6. continue with your return.

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