3 months without insurance way to avoid penalty fee

[Marketstar]

You can be exempted from the penalty if you have a "short gap" in coverage.

A “short gap” means you were uninsured for a period of less than three consecutive months during the year.  Note that if you have coverage for even one day of a month, you’re considered to have had coverage for that full month

https://marketplace.cms.gov/technical-assistance-resources/exemption-gap-in-health-coverage.pdf...

For a list of other Affordable Care Act Exemptions, see:

https://turbotax.intuit.com/tax-tips/health-care/are-you-exempt-from-health-care-coverage/L2ait3Gsk