I have also never heard of a situation like yours.
You might have another problem that wasn't mentioned in your question. Typically the prescription drug coverage in a HDHP is not "creditable" from the perspective of Medicare Part D drug plans. You should be able to tell for your specific HDHP, because if it was "creditable", you would have received a letter assuring you of this fact.
If your HDHP prescription coverage was not "creditable", you will owe a premium penalty if you ever purchase a Medicare Part D plan in the future. The premium penalty is 1% per month from age 65 until you started a "creditable" prescrition drug plan. You can read more at What's the part D late enrollment penalty?
Investment skill is often just luck in sheep's clothing.