Well, to know if last year's Deduction were correct (i.e., Itemized vs Standard), you would have to rerun your return with the extra HSA entry that I described above. Unfortunately, you can't run last year's return online. You would have to acquire the CD/download software from last year and load your tax data to it.
Or you can do it by hand.
1. Add up all your unreimbursed (either by insurance or by HSA) insurance expenses.
2. Add in your LTC premiums - AS LIMITED (see IRS Pub 502 for LTC premiums)
3. Add in any health insurance premiums that were paid with after-tax dollars (most employees can't do this because the premiums are deducted from your Wages before the W-2 is printed).
4. Subtract 7.5% of your adjusted gross income
5. Add in your state and local taxes or your state income tax (capped at $10,000), your contributions, and any other Schedule A items that apply.
Does this add up to more than your Standard Deduction? Then maybe you might want to amend your return.
Come back if you have more questions.
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