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My husband pays $3700 a year in health insurance premiums to

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his employer (via $71.00 weekly...
My husband pays $3700 a year in health insurance premiums to his employer (via $71.00 weekly paycheck deductions) for our medical/dental/vision insurance. We have other medical expenses to deduct as well. If we can include the health insurance premiums in our total deductions we should meet the 7.5% requirement for medical and dental expenses. So my question is - Are health insurance premiums that we pay to our employer tax deductible?
Submitted: 7 years ago.Category: Tax
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6/1/2010
Tax Professional: Robin D., Senior Tax Advisor 4 replied 7 years ago
Robin D.
Robin D., Senior Tax Advisor 4
Category: Tax
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HelloCustomer

Thank you for using Just Answer.

You may not deduct insurance premiums paid by an employer-sponsored health insurance plan unless the premiums are included in Box 1 of your husband's Form W-2. As long as the premiums are included in income then you are allowed to include them in calculating your Schedule A Medical deductions. If the premiums are taken out of wages before the amount is taxed then you may not use them as a medical deduction.

I sincerely XXXXX XXXXX information is useful,

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Customer reply replied 7 years ago

How do I know if they are or aren't included in box 1? The only thing on his last paystub for 2009 that indicates it is "exclududed from federal taxable wages" are his 401K contributions.

Tax Professional: Robin D., Senior Tax Advisor 4 replied 7 years ago
Then the premiums are not taken out pre-taxed. You can look at the Box 1 and Box 3 of his W2. If the amounts are different only up to the 401K contributions then the premiums are added in the wages. Any difference in Box 1 and Box 3 shows the amount that was taken out before the wages were taxed.
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Customer reply replied 7 years ago
So since the health insurance premiums are NOT taken out pre-taxed I can include them in my medical expenses deduction?
Tax Professional: Robin D., Senior Tax Advisor 4 replied 7 years ago
That is correct. If they came out pre-taxed, then you would have already received your tax benefit by not having that amount included in income. Since they were included in the income you are allowed to use them when calculting your Schedule A medical. To have them removed pre-taxed from income would be better.
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