I appreciate you so much. Thank you. Yes, I spent a lot of time on it. Have exited and restarted many times before doing the override. Had an update yesterday, but it still didn't fix the problem. Please report it.
I was able to make sure that the penalty was waived by checking only 2 months, THEN I went into forms to override. The penalty remained waived.
I notice that I get penalized if I unselect January/February/March OR August/September/October. Penalty is waived for every other 3 consecutive months of no insurance (e.g. February/March/April or SEP/OCT/NOV).
I was thinking that there was some kind of weird rule involving January or October.
Thank you again. I can finally proceed.
