Hello. I wanted to ask for a clarification on this advice, as I'm in a similar situation.
In Turbo Tax, under Self-employed Health Insurance, the guidance states: "If you or your spouse could participate (even if you declined coverage) in an employer's health plan at any time during a given month, you cannot take the deduction for that month. However, payments for those months are deductible on Schedule A if you itemize deductions."
It's not entirely clear to me what my situation is in relation to that guidance.
I have SAG-AFTRA Health Plan insurance that I qualify for due to W2 earnings for acting work, but I also file a Schedule C for a sole proprietor business related to other income. When hiring me as a performer, producers (my employers, for the purposes of my acting jobs) make contributions to the health plan, but no, I don't believe those contributions are deducted from my wages. For the purpose of taxes, then, am I not considered to be enrolled in an "employer's health plan"? Is my choice to participate in the SAG-AFTRA plan considered like any other private insurance for tax purposes, and not considered employer-provided insurance? Am I allowed, then, to claim a deduction for Self-employed Health Insurance under Business Expenses?
Thank you.
