Turbotax says my wife's HDHP coverage had a lapse in 2021. It didn't. Our newborn was added to the plan in Fall 2021. Why is turbotax saying this? How do I correct this?

Program assumes it happened. No option to say it didn't. I must choose one of their answers which assume it did lapse. Does this affect my return? Can Turbotax adjust this?

‎March 21, 2022 9:00 AM last updated ‎March 21, 2022 9:00 AM Connect with an expert

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Turbotax says my wife's HDHP coverage had a lapse in 2021. It didn't. Our newborn was added to the plan in Fall 2021. Why is turbotax saying this? How do I correct this?

The question on the page before you see that you had a “lapse” in coverage is causing the issue.

On the previous page you should see the question, “ What type of High Deductible Health Plan did [spouse] have on December 1, 20xx? ”. The choices are Family , Self only , or None .

If you have been covered under your husband’s 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 you held in your name on December 1, 20xx. If you had your own separate HDHP on that date, then choose the type of plan that you had. If instead you were covered under the plan in your husband’s 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.