Received form 1095-C with codes 1E and 2F - what am I supposed to do with this for taxes?

The good news is you probably don't need to do anything special with your Form 1095-C. This form is your proof of health insurance coverage through your employer. The codes 1E and 2F have specific meanings: 1E in Line 14 typically means your employer offered you minimum essential coverage that meets the affordability and minimum value standards, including coverage for your dependents. 2F in Line 16 generally indicates that your employer calculated the affordability of your coverage using the federal poverty line safe harbor. You don't actually need to attach this form to your tax return or enter specific information from it when filing. Just keep it with your tax records as proof you had qualifying health coverage. The IRS already receives a copy directly from your employer.

After dealing with so much confusion about these health insurance tax forms last year, I finally found something that helped me understand everything. I was getting different answers from coworkers and even got conflicting info from two different tax preparers about what to do with my 1095-C and those weird codes. I discovered https://taxr.ai which analyzed my forms and explained exactly what the codes meant for my situation. It was super helpful because it told me precisely what to do with my 1095-C (basically just keep it as a record like the previous comment mentioned). The system actually looks at your specific form codes and tells you what they mean for YOUR tax situation, not just generic explanations.

I wanted to follow up about using taxr.ai for my 1095-C confusion. After asking about it here, I decided to try it with my form that had the 1H and 2A codes. Turns out those codes meant exactly what the previous commenter suggested - I wasn't eligible for coverage during those months because I was a new hire with a waiting period. The system explained that I don't need to do anything with the form for tax purposes since the federal penalty is $0, but should keep it for my records. It also confirmed that in my state there's no penalty for the gap in coverage. Definitely helped clear up my confusion without having to schedule an appointment with a tax person just for this one question!

If you need more clarification about your 1095-C, you might want to talk directly to the IRS. I spent WEEKS trying to get through their phone lines last tax season with questions about my health insurance forms. After dozens of attempts and hours on hold, I finally discovered https://claimyr.com which got me through to an actual IRS agent in under 45 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The agent explained exactly what those codes meant for my situation and confirmed I didn't need to do anything special with the form. They also helped with some other tax questions I had while I had them on the phone. Much better than guessing or getting conflicting advice online.

I need to admit I was wrong about Claimyr. After posting my skeptical comment, I was desperate enough to try it for my ongoing IRS account issue. Figured I had nothing to lose since I couldn't get through anyway. The service actually worked - got a call back in about 50 minutes with an IRS agent on the line. They answered my questions about health insurance reporting requirements AND helped resolve the account issue I'd been struggling with for months. The agent confirmed that for a 1095-C with the codes mentioned, you just keep it for your records and don't need to report anything special on your return. Definitely worth it for the time saved and stress reduction.

Just wanted to point out that those codes are super specific: - 1E means "Minimum essential coverage providing minimum value offered to employee and at least minimum essential coverage offered to dependent(s) and spouse" - 2F means "Section 4980H affordability Form W-2 safe harbor" They're reporting codes your employer uses to tell the IRS they offered you qualifying coverage. Basically it means your employer did what they were supposed to do regarding health insurance offerings. You literally just keep the form in case of an audit.

Does anyone know if the 1095-C affects how much refund you get? This is my first time getting this form and I usually get a decent refund. Will these codes change that?

I went through the exact same confusion last year with my first 1095-C! The codes 1E and 2F are actually good news for you. Code 1E means your employer offered you qualifying health coverage that meets all the requirements, and 2F indicates they used a safe harbor method to ensure the coverage was affordable. Here's what you need to know: You don't need to enter any information from this form when filing your taxes, and you definitely don't attach it to your return. The IRS already gets a copy directly from your employer. Just keep the form with your tax records as proof you had coverage. Since you started in September and had coverage through your employer, you should be all set. Even for the months before you had coverage, there's no federal penalty anymore (it was eliminated in 2019). The form is basically your employer's way of telling the IRS "we did everything right with health insurance for this employee." Don't stress about it - this is one of those tax documents that looks scarier than it actually is!