For your information, there is no more Federal penalty for not having health care coverage since 2019. Only a few states have penalties for being uninsured (Massachusetts, New Jersey, California, Rhode Island, and the District of Columbia).
If you have paid for private health outside the Marketplace, you cannot get the premium tax credit. But you can claim the premiums that you paid as Medical expenses. However, for a large number of taxpayers, claiming medical expenses would bring no tax benefit for the following reason:
For tax year 2021, Medical Expenses which are claimed as an itemized deduction are subject to the 7.5% rule and you can only claim the excess over 7.5% of your Adjusted Gross Income.
Please note that Itemized Deductions will only "help" when they exceed your standard deduction.
For 2021, standard deductions are:
For a taxpayer under 65, not claimed as a dependent
- $12,550 for Single
- $25.100 for Married Filing Jointly, or Qualifying Widow(er) with dependent child
- $18,800 for Head of Ho0sehold
- $12,550 for Married Filing Separately
- If you are over 65 or blind, add $1,350 for each instance if married or add $1,700 each instance if single or head of household
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