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Sandi Hargrove, SkyHawks
Sandi Hargrove, SkyHawks, Master Tax Advisor, Enrolled Agent
Category: Tax
Satisfied Customers: 1257
Experience:  I am a Master Tax Advisor and Enrolled Agent. I have 40 years experience. Trucking specialist.
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Medical Expenses as tax deductions

Customer Question

How much medical expenses do you need to claim them as a tax deduction? (I am single) Does paying for my own health insurance count as a deduction?
Submitted: 11 years ago.
Category: Tax
Expert:  Sandi Hargrove, SkyHawks replied 11 years ago.

Pretax health insurance premiums may not be deducted. They are already reducing your tax liability.


Medical, dental, vision, mental expenses (including premiums paid with taxed money) will be subject to a reduction equal to 7.5% of your adjusted gross income before actually being a deduction.


If your total itemized deductions are not more than your standard deduction, it will not help you.

Customer: replied 11 years ago.
Reply to Sandi Hargrove, SkyHawks's Post: Hi Sandi,

Thank you for your reply. However I don't think I gave you enough information about my situation. I am unemployed due to illness and have been paying $400 a month (Cobra insurance)I Have paid $2,000 so far this year out of pocket for medical deductables and co-pay.I estimate my total medical costs with insurance to be at least $7,500 for the year. I have received a total of $11,200 this year (short term disability payment) No wages for this year. I have applied for social security disability but my attorney does not forsee a court date prior to the end of this year.
Expert:  Sandi Hargrove, SkyHawks replied 11 years ago.

Your cobra medical premiums will be eligible to be included with your total medical expenses. If your total income for the tax year is 11200, and you are a single person with no dependents, your standard deduction will be 5000 and personal exemption amount will be 3200(I assume you are under 65).


Your total medical expenses of 7500 will be reduced by only 806 for a deduction of 6694. This amount alone will be much more than your standard deduction. Also include sales tax deduction(or state withholding tax amount, if any) and you will likely have -0- taxable income by use of Schedule A.

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