Deductions & credits

You can claim this as a deduction if your premiums were paid with after-tax dollars.  You'll deduct the premiums as a medical expense when you itemize deductions. 

However, if your premiums were paid for with pre-tax dollars, you can't deduct them.

Please see Insurance Premiums You Can't Include in the IRS's Publication 502, Medical and Dental Expenses for more information.

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