Get your taxes done using TurboTax

Since there are no set parameters of what a hardship is, I would recommend applying for the hardship exemption (you could even copy and paste your entry from here).  If it is granted, you will be able to avoid the penalty.  I think you made than a good effort and was unable to get the insurance due to issues you had no control over.  Go to

Hardship exemptions and forms
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