Why does it say my husband had a break in health coverage?

If you are going through the Health Savings Account (HSA) section of your return and you are seeing this message, then just before you see the message stating that your spouse had a lapse in coverage, you should see the question, “What type of High Deductible Health Plan did [spouse] have on December 1, 2020?”.  The choices are Family, Self only, or None. 

If your spouse had been covered under your 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 your spouse held in their name on December 1, 2020.  If your spouse had their own separate HDHP on that date, then choose the type of plan that they had.  If instead your spouse was covered under the plan in your name, then you should choose None.

To go back to the section of your return to answer the questions again, use the following steps:

• On the top row of the TurboTax online screen, click on Search (or for CD/downloaded TurboTax locate the search box in the upper right corner) 
• This opens a box where you can type in “hsa” (be sure to enter exactly as shown here) and click the magnifying glass (or for CD/downloaded TurboTax, click Find)
• The search results will give you an option to “Jump to hsa”
• Click on the blue “Jump to hsa” link and edit your information