@jeffandkarleen wrote:
My husbands employer has been deducting our medical insurance premium post tax for the last 18 years. We just noticed this. I know we can only go back 3 years to claim but we did not itemize the last 3 years. We will however itemize for this year. Can I claim this when we do our taxes for 2025?
You can only deduct premiums paid in a given year on that year's tax return. You can't deduct missed premiums from a past year in a future year.
Your employer also needs their [removed] kicked. By not taking advantage of section 125, not only are they over-taxing their employees, they are over-taxing themselves. (On the other hand, to use the section 125 pre-tax deduction of premiums, they must follow certain rules about fairness and non-discrimination. If they don't want to follow those rules, then they can't use pre-tax deductions, so maybe it was intentional.)
