So then yes, you would be subject to a penalty as that would be 3 months without insurance. You may qualify for an affordability exemption.
coverage is unaffordable through work or the marketplace, meaning coverage would cost more than 8.16% of your households Modified Adjusted Gross Income. You would need to know the cost of the plans to determine this <a rel="nofollow" target="_blank" href="
https://www.healthcare.gov/tax-tool/#/">https://www.healthcare.gov/tax-tool/#/</a>
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