Yes, the period from 4/25 to 10/8 would be considered as having no coverage. However, since coverage is based on the month, her actual months without insurance would be May through September.
Technically, yes, November and December would be considered a short gap.
Since she had no job, from April through July, did she have other income? If not, it is possible she could qualify for a hardship exemption for that time.
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