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Tell me if I have these two correct:  

1) Client had two short gaps in coverage during the year (Jan/Feb then again Nov/Dec)...only the FIRST gap can qualify for the exemption.

2) Client had a 3-month gap in coverage...Since more than 2 months, NONE of the 3 months qualify for the short gap exemption...correct...or would two of the 3 months qualify?

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