I need info on the healthcare gap exemption. I think turbo tax is calculating incorrectly and I cant get an answer from them when i call.

[TomK]

Short coverage gap 

You generally can claim a coverage exemption for yourself or another member of your tax household for each month of a gap in coverage of less than 3 consecutive months. If an individual had more than one short coverage gap during the year, the individual is exempt only for the month(s) in the first gap. If an individual had a gap of 3 months or more, the individual isn't exempt for any of those months.

For example, if an individual had coverage for every month in the year except February and March, the individual is exempt for those 2 months. However, if an individual had cover­-age for every month in the year except February, March, and April, the individual isn't exempt for any of those months.

[ascamp05]

I didnt have exemptions or coverage for Jan through April. I have exemptions for may, June, July, August, and had health coverage Nov and dec. Turbo tax is giving me the short gap exemption for Sept and Oct. Does this seem correct?