Retirement HRA account

mirabray — Tue, 10 Feb 2026 22:07:23 GMT

On Schedule A you can report insurance premiums, example Medicare part b and supplemental insurance.

My spouse and I both have HRA account from prior employer that give a portion to cover these expenses. Do I put the full premiums amounts or do I have to subtract what they are giving us.

example Medicare yearly amount 1000, and they paid $500.00 do i report my premiums are $1000. or $1000-$500=$500

Re: Retirement HRA account

Vanessa A — Tue, 10 Feb 2026 22:55:01 GMT

You have to subtract what they give you. So you would only include the $500 not the $1,000. If you included the $500 reimbursed amount, you would be double dipping as the money they reimburse you is not taxable to you.

If you are itemizing your return and adding medical expenses, which include insurance premiums, your medical expenses are only deductible for the amount that is over 7.5% of your AGI. So if your AGI is $50,000, only the expenses that are greater than $3,750 are deductible. Itemized expenses also include mortgage interest, gambling losses up to 90% or up to winnings (whichever is less), charitable contributions, state and local taxes up to $40,000, medical expenses in excess of 7.5% of your AGI and federally declared casualty and losses in excess of 10% of you AGI with the first $100 not counting towards the loss. Then your total itemized expenses would need to be greater than your standard deduction below in order to benefit from your expenses.

The 2025 Standard Deductions are as follows:

Married Filing Joint (MFJ) $31,500
Married Filing Separate (MFS) $15,750
Head of Household (HOH) $23,625
Single $15,750

Blind or over 65 and MFJ or MFS add $1,600

Single or HOH if blind or over 65 add $2.000

Standard Deduction vs. Itemized Deductions: Which Is Better?

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Retirement HRA account

Re: Retirement HRA account