topic Can I deduct my co-pay for insurance covered doctors visits and hospitalization? in Deductions & credits

Can I deduct my co-pay for insurance covered doctors visits and hospitalization?

vickiz135 — Tue, 10 Feb 2026 09:06:18 GMT

Re: Can I deduct my co-pay for insurance covered doctors visits and hospitalization?

VolvoGirl — Tue, 30 Jan 2024 17:35:04 GMT

Yes if you have enough Medical to itemize. You can only deduct the amount of unreimbursed Medical Expenses you actually paid over 7.5% of your AGI. And then all your itemized deductions have to be more than the standard deduction to get any benefit (so you would only be getting the benefit of the amount that puts you over the standard deduction). And since the Standard Deduction is increased more people will not need to Itemize.

For 2023 the standard deduction amounts are:

Single 13,850 + 1,850 or 65 and over or blind

HOH 20,800 + 1,850 for 65 and over or blind

Joint 27,700+ 1,500 for each 65 and over or blind

Married filing Separate 13,850 + 1,500 for 65 and over or blind

Re: Can I deduct my co-pay for insurance covered doctors visits and hospitalization?

DoninGA — Tue, 30 Jan 2024 17:35:34 GMT

Yes, as long as you were not reimbursed for the those medical expenses.

Re: Can I deduct my co-pay for insurance covered doctors visits and hospitalization?

xmasbaby0 — Tue, 30 Jan 2024 17:36:43 GMT

Are you itemizing other deductions? Your question is coming from the Free Edition which does not support itemized deductions like medical expenses and will trigger an upgrade to a paid version.

If you are itemizing and entering medical expenses, yes, you can include co-pays and other out of pocket expenses that were not covered by insurance.

MEDICAL EXPENSES

The medical expense deduction has to meet a rather large threshold before it can affect your return. The amount of medical (including dental, vision, etc.) expenses that will count toward itemization is the amount that is OVER 7.5% of your adjusted gross income. You should only enter the amount that you paid in 2023—do not include any amounts that were covered by insurance or that are still outstanding. Of course, your medical expenses plus your other itemized deductions still have to exceed your standard deduction before you will see a difference in your tax due or refund.

To enter your medical expenses go to Federal>Deductions and Credits>Medical>Medical Expenses

2023 STANDARD DEDUCTION AMOUNTS

SINGLE $13,850 (65 or older/legally blind + $1850)

MARRIED FILING SEPARATELY $13,850 (65 or older/legally blind + $1500)

MARRIED FILING JOINTLY $27,700 (65+/legally blind) ) + $1500 per spouse

HEAD OF HOUSEHOLD $20,800 (65 or older/blind) + $1850)

Re: Can I deduct my co-pay for insurance covered doctors visits and hospitalization?

SharonD007 — Tue, 30 Jan 2024 17:42:21 GMT

It depends. You may deduct co-pays and other medical expenses if you have enough deductions to itemize on your Schedule A. Review the TurboTax article: What Are Itemized Tax Deductions? to find out if you have other deductions to itemize.

Review the TurboTax articles: The Ultimate Medical Expense Deductions Checklist and Are Medical Expenses Tax Deductible? for more information.