In all likelihood, one of you does not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage, so TurboTax got confused and thought that maybe your coverage "lapsed". Sound familiar? If so, see the bulleted list. If you or your spouse [whoever is NAME above] did not have an HSA in 2024, then answer NONE. If you or your spouse had an HSA but did not contribute to an HSA in 2024, then answer NONE. (Remember that each of you can have an HSA). If you or your spouse was covered by an HDHP policy for each month of 2024, then answer NONE.That is, answer NONE to the question "What type of High Deductible Health Plan did [name] have on December 1, 2023", because the question doesn't apply to you.

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scott-beecher

Solved

why does turbotax say "we see xxxxxx had a break in HDHP health plan coverage during 2024" when there was no break in coverage?

Forum|Forum|1 year ago
January 17, 2025
1 reply
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Best answer by AnnetteB6

Even though the answers do not sound like they are correct, this is the way the questions need to be answered in TurboTax to correctly report the situation you described.

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.

@scott-beecher

BillM223

In all likelihood, one of you does not have an HSA, so you never went through the HSA interview to tell TurboTax that you had HDHP coverage, so TurboTax got confused and thought that maybe your coverage "lapsed". Sound familiar? If so, see the bulleted list.

If you or your spouse [whoever is NAME above] did not have an HSA in 2024, then answer NONE.
If you or your spouse had an HSA but did not contribute to an HSA in 2024, then answer NONE. (Remember that each of you can have an HSA).
If you or your spouse was covered by an HDHP policy for each month of 2024, then answer NONE.

That is, answer NONE to the question "What type of High Deductible Health Plan did [name] have on December 1, 2023", because the question doesn't apply to you.

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