Thanks...the policy is in my name, so looks like it would have to lump into the medical expense category which won't have any tax savings for me. My wife offers her employee an insurance stipend. Was thinking maybe she could give herself the same stipend as a business expense. In any case, the good news I have started my own consulting business and will be net profitable so even if I can't deduct for 2016, looks like 2017 I will be able to, if I am understanding the rules.
