I did a return for a couple, no kids, California AGI was $32,000.  One spouse had insurance for just one month in 2020. The other spouse had none. The return showed a $1,250 penalty - $750 for the spouse with no insurance and $500 for the other spouse (8 months). They just got a refund of the entire $1,250. Does anyone know why?  They are supposed to get a letter with an explanation but I'd like to  understand this.