I was having a good Thanksgiving until I thought about that . <| sep |> One month without insurance would be considered a short coverage gap . So if you get coverage that starts in January , you would have an exemption to the ACA penalty and not have a penalty as long as you did not have another short coverage gap earlier in the year . See Form 8965 instructions . You ' ll include Form 8965 with your tax filing , and the code you use is B . In this case , on your tax form you do not check the fullyear coverage check box . But you leave the line next to the check box empty , because you don ' t owe any individual shared responsibility payment . pdff 8965 . pdfpdfi 8965 . pdf <| sep |> And dying in pointless wars for corporations or coming home traumatised living in a cardboard box