Long time TurboTax customer reporting in: I worked, and my family and I lived, abroad from 2016 to August of 2018. While abroad in 2018, we did not have insurance. Back in the US, I got a new position that started in October 2018 and we got coverage the same month. Thus, we were uncovered in the US for at most two months. When I run through TurboTax’s platform, it tells me that I will still need to pay the penalty for all of the months we were not covered, even though we were abroad. (I suppose we were not abroad long enough to trigger the foreign exception to the penalty?) I’m hoping to confirm that this is right. It is not an insubstantial amount of money for the four of us (our second child was born abroad in June 2018, so she would still need insurance?). Related, I suppose because we were not abroad for a long enough period I will be unable to apply for the foreign income exclusion? Thank you in advance for any assistance on this.