Question

HDHP

Forum|Forum|1 year ago
April 6, 2025
1 reply
0 views

My husband had a self only HDHP through his work for all of 2023 and 2024 but never contributed to an HSA account since he was enrolled in Medicare Part A.

I answered in TT that he had self only, So why does TT think he had a lapse in coverage in 2024?

I also have a self only HDHP through the same company, but I do contribute to my HSA account. I've added all of my information in TT.

B

BillM223

TurboTax realized that he did not have HDHP coverage in 2024. However, when you answered "Self" to the question of "What type of High Deductible Health Plan did [name] have on December 1, 2023?", then TurboTax thought that he had HDHP coverage in 2023 but not in 2024, so the coverage seemed to have lapsed.

In point of fact, since the IRS considers that taxpayers who have conflicting coverage (like Medicare) do not have HDHP coverage (even when they do), then you should have answered NONE to that December 1, 2023 question.

This would prevent the lapse message.

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