My husband is starting a new job and will have a three month probation period where he won’t be insured. Can he be penalized for this lapse?
A person who doesn't have health coverage can be penalized during the three month probation period, or waiting period. 90 days is the maximum waiting period for employers, and each individual gets a less than three month gap each year without coverage. If they have coverage for even one day in a month it counts as being covered. So you'll actually need to look at the number of days in the month and make a determination that the 90 day waiting period won't result in 3 or more months in a year without coverage. If it does then you should get another type of coverage in the meantime, talk to your employer, look into exemptions, or be prepared to pay the fee for any month over three or more months.