I have a client who was married in Nov 2018, and who was added to his wife's health coverage at that time. He had no coverage for the first 10 months of the year, but would have qualified for an affordability exemption as a single taxpayer. That exemption didn't apply after they were married based upon their combined income, so it's adding a $1,200 penalty on their joint tax return. Is there a way to still claim the exemption for the taxpayer, to avoid the penalty?