Is this Correct ACA & UHC/Grule STM

Husband, wife & 1 dependent in TN. Probably off exchange with no group coverage available.

Can family members still have separate plans? In this case, Wife/child with husband separate.

What is the premium paying grace period for the INITIAL premium On or OffEx in 2017?

My understanding is that the ACA penalty for no coverage isn't incurred when the lowest premium plan of healthcare.gov is more than 8.5% of MAGI. Is this correct?

Can anyone that is enrolled and pays the HDHP premium for January fund an HSA for the entire year even if the HDHP terms 2/1?

I'm considering UHC'
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