FAQs for health insurance tax deductions
Detailed medical record-keeping can help you determine if you have potential tax-saving expenses.
Taxes and health insurance on their own are complex. Taken together in order to figure out questions such as "Are health insurance premiums tax deductible?复杂程度就会成倍增加. Here are six considerations about taxes and health insurance to help you 保留你需要的记录 to 提交报税表 每年.
1. 我可以报销医疗费吗?
基于 2021年税收规则, 美国国税局, "allows taxpayers to deduct the total qualified unreimbursed medical care expenses for the year that exceeds 7.调整后总收入的5% ". For example, say your AGI is $50,000 and your medical expenses are $6,000. 自7.占总收益的5% is $3,750, you can deduct $2,250.
2. 哪些医疗费用符合资格?
在一般情况下, you can deduct many medically necessary out-of-pocket expenses, 包括预防保健, 治疗, 手术, 处方药, 牙科, 视力和医疗用品. (美国国税局提供了一个 详尽的清单.) You can even deduct transportation costs to and from medical care.
3. 我如何申请医疗扣除?
You must itemize your medical deductions on the Form 附表A(表格1040或1040- sr). Generally you should keep receipts for three years or longer in case you are audited.
4. 健康pp王者电子官网税可以抵扣吗?
可能, if you pay health insurance premiums with after-tax dollars and your total medical expenses (including premiums) exceed 7.占总收益的5%，一般可以扣除. Most group health insurance plans are paid using pre-tax dollars, 但要向你的雇主确认一下. Medicare A (if voluntarily enrolled and not covered under Social 安全), Medicare B and Medicare D premiums are all generally tax deductible. 如果满足某些标准, self-employed individuals are sometimes able to deduct their health insurance premiums, even if their expenses do not surpass the 7.5%的门槛.
5. 什么不能算作减税呢?
You cannot deduct expenses paid with a health savings account (HSA) or a flexible spending account (FSA). 整容手术, 非处方药, health club dues and personal hygiene items are typically not tax deductible. 引用 IRS出版物502 要查看完整的列表.
6. Should I just take a standard deduction instead?
的 标准扣除 for 2021 are $12,550 for single filers and $25,100 for married, filing jointly. You should consider itemizing your deductions if your allowable itemized deductions are greater than your standard deduction or if you must itemize deductions because you can't use the standard deduction.
访问 http://www.irs.gov/taxtopics/tc501 and consult a tax professional to discuss your individual tax needs.
