Yes, that's what happens.

Hi Monika, if one has a total 3 months of insurance gap in the entire year 2023. If he entered them as Aug, Sept., and Oct, the penalty shows up in TurboTax whe...

By "no way to override" I meant I can override C to Z, but not Z to C.

The exact bug exists for TurboTax 2023 Deluxe. And unfortunately, I found no way to override it via TurboTax (and plan to fix it manually on print outs).