Medical expenses when you're self-employed
Varies
Can You Write Off Medical Expenses When You're Self-employed?
Short answer: Health insurance premiums go above the line on Schedule 1, but other medical bills are still itemized deductions.
Medical costs are an itemized deduction only for the amount above 7.5% of your AGI, and only if your itemized total beats 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.
Medical expenses when you're self-employed
Varies
Individuals / Personal Taxes
Health insurance premiums go above the line on Schedule 1, but other medical bills are still itemized deductions.
Business justification
Health insurance premiums go above the line on Schedule 1, but other medical bills are still itemized deductions. Medical costs are an itemized deduction only for the amount above 7.5% of your AGI, and only if your itemized total beats the standard deduction ($16,100 single / $32,200 joint for 2026).
Category
- Personal Tax Deductions