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omoajaba1
New Member

Is the total premium for health and dental insurance from pension income to supplement medicare deductible?

 
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2 Replies

Is the total premium for health and dental insurance from pension income to supplement medicare deductible?

If those premium payments were not reimbursed they can be entered as an itemized medical deduction.

 

Health care insurance premiums, including dental and vision insurance premiums, and other medical expenses that you paid with out of pocket funds and were not reimbursed are an eligible medical expense that you can deduct using Schedule A for itemized deductions. However, only your total medical expenses that are greater than 7.5% of your Adjusted Gross Income (AGI) can be deducted. Your total itemized deductions reported on Form 1040 Schedule A must be greater than the standard deduction for your filing status to have any tax benefit.


Standard deductions for 2025

Single - $15.750 add $2,000 if age 65 or older
Married Filing Separately - $15,750 add $1,600 if age 65 or older
Married Filing Jointly - $31,500 add $1,600 for each spouse age 65 or older
Head of Household - $23,625 add $2,000 if age 65 or older


To enter your medical expenses -

Click on Federal Taxes (Personal using Home and Business)
Click on Deductions and Credits
Click on I'll choose what I work on (if shown)
Scroll down to Medical
On Medical Expenses, click the start or update button

MinhT1
Expert Alumni

Is the total premium for health and dental insurance from pension income to supplement medicare deductible?

Yes.

 

All health insurance premiums are deductible as Medical expenses.

 

You can claim all medical and dental bills, prescription drugs and health insurance premiums paid out-of-pocket as Medical Expenses in Schedule A - Itemized Deductions.

 

The IRS has an extensive list of what you can and can’t deduct.

 

For tax year 2025, Medical Expenses 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 benefit your taxes when they exceed your standard deduction.

 

For tax year 2025, standard deductions are:

  • $31,500 for married couples whose filing status is “married filing jointly” and surviving spouses;
  • $15,750 for singles and married couples whose filing status is “married filing separately”; and
  • $23,625 for taxpayers whose filing status is “head of household.”

 

The additional standard deduction for a blind taxpayer—i.e. a taxpayer whose vision is less than 20/200— and for a taxpayer who is age 65 or older at the end of the year is for each instance:

  • $1,600 for married individuals; and
  • $2,000 for singles and heads of household.

 

Here's how to enter your medical expenses in TurboTax:

  1. Open or continue your return.
  2. Navigate to the Schedule A section:
  • TurboTax Online/Mobile: Go to Schedule A.
  • TurboTax Desktop: Search for Schedule A and then select the Jump to link.
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