What if someone gets insurance in the middle of a month? What penalty applies to them?
Partial months of coverage are addressed in the following way: if an individual had insurance for 15 days or more in a month, it will be treated as a full month of coverage. Coverage of 14 days or less will be counted as a month without coverage. For example, three weeks of coverage would count as a month of coverage, and a month with only one week of coverage would count as a month without coverage. This calculation will be reflected in the Form MA 1099-HC.
