Thanks. The premiums are pre-federal tax, but post-NJ tax, so we can add to the NJ return (but not the federal).
Don't think we'll see any benefit for splitting mortgage interest as we both would be taking the standard deduction federally.
My name is first on the bank account, so that means the 1099 ints get addressed to me; I didn't file a 1099 to give interest to spouse (I tried looking at Pub 504 to see if MFS means you need to give spouse a 1099 int for their share of a joint account, but this was not spelled out -- I know that you typically don't have to, but I wasn't sure if that was because of the assumption for filing jointly or not). Does this have any bearing on who gets to claim the medical expenses paid from that account? Spouse would certainly have the right to claim the HSA withdrawals since HSA is in their name. Premiums from work, too. But my guess is if I claim all the bank interest, then I claim all the medical expenses paid from that account as well.
