Why can’t you take the standard deduction while also deducting your health insurance premiums if you pay them out of pocket. For example I work for a company that doesn’t have health insurance coverage so I pay all my health insurance premiums out of pocket, but in order to deduct the premiums I would have to take the itemized deduction, which would get me above the standard deduction amount. Then you have someone that works for a company that offers insurance and they get to take the standard deduction and have the agi lowered through there payroll health insurance premium.
