You will not have to pay any ACA/Obamacare penalty because your income for a couple filing married jointly would make any healthcare unaffordable.
So when you are under the health insurance section, just select
- that "neither of us had it at any point",
- then select "Plans in my area were not affordable".
- then select all the months for both you and your spouse
- then it should say "based on your situation, the penalty has been waived"
