Health insurance deductible payments
$500-$8,000
Can You Write Off Health Insurance Deductible Payments?
Short answer: Yes, what you pay toward your plan's deductible and copays counts as medical expenses.
Medical costs are an itemized deduction only for the amount above 7.5% of your AGI, and only if your total itemized deductions beat the standard deduction ($16,100 single / $32,200 joint for 2026).
Records to keep: Keep receipts, statements (1098, 1098-T, 1099, W-2G), and a note of what each cost was for. Compare itemizing to the 2026 standard deduction before you claim.
Health insurance deductible payments
Typical range: $500-$8,000
Individuals / Personal Taxes
Yes, what you pay toward your plan's deductible and copays counts as medical expenses.
Business justification
Yes, what you pay toward your plan's deductible and copays counts as medical expenses. Medical costs are an itemized deduction only for the amount above 7.5% of your AGI, and only if your total itemized deductions beat the standard deduction ($16,100 single / $32,200 joint for 2026).
Category
- Personal Tax Deductions