Is my health insurance premium that is deducted from my state government pension tax deductible?

Forum|Forum|1 year ago
February 16, 2025
1 reply
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SharonD007

Level 14

It depends. If your health insurance premiums are paid for with after-tax money, you may be able to deduct them if you itemize and your medical deductions exceed 7.5 % of your AGI. If your premiums were paid for with pre-tax money (not taxed on it), you can't deduct the premiums on your tax return.

Your itemized Deductions must be greater than your Standard Deduction to itemize. Review the following TurboTax articles to determine if there are additional items that you can deduct on your Schedule A.

20 Common Tax Deductions: Examples for Your Next Tax Return, What Are Itemized Tax Deductions?, and Standard Deduction vs. itemized deductions: Which Is Better?

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eldcrootAuthor

Level 2

Yes, thank you.

However, I need to ask for additional help.

I paid over $4000 in health insurance premiums in 2024.

This was deducted from my State of Michigan monthly pension payments.

100% of my pension is taxable.

On my State of Michigan income tax form under income reductions, I can enter the medical expenses from my auto insurance premiums.

Also under income reductions, there is a spot to enter health insurance premiums paid but TurboTax won't let me. It states that I had $0 from my Federal return so it's $0 from my State of Michigan return.

How/where can I enter my $4000+ in health insurance premiums as an income reduction for my State of Michigan income tax return?

Thank you.

BillM223

Level 15

"Also under income reductions, there is a spot to enter health insurance premiums paid but TurboTax won't let me." - What does this mean? Are you in the medical expenses section for Schedule A?

What is TurboTax doing when you try to enter the health insurance premiums here on the federal return?

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