She came up the year before on a visitors visa so coverage wasn't neccesary.
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You shouldn't be penalized. If she was covered from February through the end of the year, this would qualify for the short gap exclusion since it was less than 3 months.
You shouldn't be penalized. If she was covered from February through the end of the year, this would qualify for the short gap exclusion since it was less than 3 months.
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