Why do I have a code of 2b under December in my 1095C when I was full-time for that month with my employer?

The 1095-C form can be really confusing, but I can help explain what those codes mean! Line 16 shows your employment status for insurance purposes. Code 2D means you're in a waiting period before coverage begins. 2C means you're enrolled in coverage, and 2B indicates you were offered coverage but weren't considered full-time for that specific month. For Line 14, code 1E means you were offered minimum essential coverage that meets affordability and minimum value requirements for yourself and dependents. 1H indicates no offer of coverage. This pattern suggests your status may have changed in December despite being employed. This could happen if your hours dropped below the threshold (usually 30 hrs/week) that your employer uses to determine full-time status for insurance purposes. Sometimes holiday schedules or time off can affect this calculation. I'd recommend talking to your HR department. They can explain exactly why your status changed in December. It might not be a mistake at all, just a reflection of your actual hours worked.

I went through something similar last year with my 1095-C and found this amazing tool called taxr.ai (https://taxr.ai) that helped me understand all these confusing codes. I uploaded my forms and it explained everything in plain English - saved me so much stress! It showed me exactly what each code meant for my specific situation and whether I should be concerned about any discrepancies. Much easier than trying to decipher the IRS instructions myself.

Just wanted to follow up about taxr.ai that I was skeptical about. I ended up trying it after struggling with some confusing codes on my own 1095-C. The explanation was incredibly helpful and identified that I actually had an error on my form! My employer had mistakenly coded me as part-time for two months when I was definitely full-time. I showed HR the analysis and they issued a corrected form right away. Definitely saved me from potential headaches with my tax filing. Sometimes being skeptical works out well because it made me research it thoroughly before trying!

If you need to get this clarified directly with the IRS, good luck getting through their phone system. After spending days trying to reach someone about a similar 1095-C issue last year, I found Claimyr (https://claimyr.com) which got me through to an IRS agent in less than 15 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c. The agent was able to explain that these code discrepancies don't always require correction and told me exactly what to do in my situation. Saved me from having my employer reissue forms unnecessarily.

I need to apologize for calling BS on Claimyr earlier. After my 4th failed attempt to reach the IRS about my own 1095-C issue (kept getting disconnected after 1+ hour waits), I tried it out of desperation. Got connected to an IRS agent in about 22 minutes while I was making lunch. The agent confirmed that code changes like 2C to 2B at year-end often happen due to holiday schedules affecting hours worked, and that I didn't need a corrected form. Saved me a ton of hassle with my employer. Sometimes being wrong feels pretty good!

Just a heads up - for most people, these 1095-C code changes don't actually affect your tax filing. The form is primarily for employers to show compliance with ACA requirements and for you to verify coverage, but you don't actually attach it to your return. Unless you're claiming the premium tax credit, minor code changes like yours probably won't affect your taxes. The IRS mostly wants to know you had minimum essential coverage throughout the year to avoid penalties.

I work in HR and see this confusion a lot. The 2B code in December could also happen if you had a status change that would start in January. We sometimes update December coding to reflect upcoming changes. For example, if you switched from full-time to part-time effective January, the system might show 2B in December as it's preparing for the transition. Also, holiday shutdowns sometimes affect hour calculations for December. Worth asking your HR, but probably not a major issue!