NEVERMIND, LOL! Just figured out what I was looking at and I understand it now!
I thought you had to designate whether the HSA itself was to cover qualified expenses for the whole family, or just the individual. Now I realize, they're asking if the underlying HDHP is for an individual, or for a family, and that will determine the annual contribution limits for that HSA account. :-)
It's all good, and we just set up with Optum. We were going to go with Bank of America, but they aren't taking new apps until their online application site is completely re-done, and they have no estimate when that will be. So, bummer, BofA. Hello, Optum!! LOL.