Health insurance premiums (paid after tax)
$200-$1,500/mo
Can You Write Off Health Insurance Premiums?
Short answer: Yes, premiums you pay with after-tax money count as medical expenses; employer plans paid pre-tax do not.
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). Self-employed people can usually deduct premiums above the line instead.
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 premiums (paid after tax)
Typical range: $200-$1,500/mo
Individuals / Personal Taxes
Yes, premiums you pay with after-tax money count as medical expenses; employer plans paid pre-tax do not.
Business justification
Yes, premiums you pay with after-tax money count as medical expenses; employer plans paid pre-tax do not. 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). Self-employed people can usually deduct premiums above the line instead.
Category
- Personal Tax Deductions