This leaf spotting looks typical and has never indicated a problem before. Hibiscus leaves are not intended to last for the life of the plant. They live for at most a couple of years and then yellow and fall off, with or without spots happening first. New leaves then grow in to replace the ones that have fallen. This normal cycle is made more complicated because hibiscus will also drop leaves in response to stress of different types. So the question becomes - is what you are seeing the normal cycling of leaves or is it a different problem?
These spots look normal to me. Meaning, they are not part of a bigger disease problem. What I think your problem may be is that the conditions in winter in Nebraska are not conducive to new growth so when these leaves fall they are not being replaced. What I would do is prune back the largest branch that is without leaves. Prune it at least 2/3 of the way back and just above a node. If you haven't done so, please check out the page on pruning in the care section of our web site -
http://www.hiddenvalleyhibiscus.com/care/pruning.htm Prune only 1 stem at a time. Once you have new growth coming out on that stem then you can go ahead and prune a second bare stem. Any stems that have a lot of leaves I would leave unpruned this year. Since the plants are indoors where it is reasonably warm you can go ahead and make the first prune now with a second to follow when new growth is coming in about a month.
Then, this summer when the plants are actively growing you should consider transplanting to a slightly larger pot with some fresh potting mix in the bottom. Between the pruning and the repotting you should get a larger, lusher hibiscus that does well this summer.
Please let us know how it goes.
Charlie
If the above does not work and the plant does not regrow well, that would indicate a systemic problem that could be disease or could relate to highly alkaline water. If you can find out from your water district the pH of the water and if it is over 7.5 then the HVH Acid fertilizer would help the hibiscus absorb nutrients better. If it is over 8.5 you should also add a small amount of vinegar (1 teaspoon per gallon) each time you water to bring the pH down.
Charlie