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Level 2
posted Feb 1, 2025 4:03:20 PM

Can you deduct dental insurance premiums with standard deduction when self employed (sole proprietor)?

I've added a 1095-A from MA Health Connector. It explicitly says it only includes the healthcare premiums. However, I also have dental insurance that I got through MA Health Connector. The problem I'm having is that I do not see a way to enter it when utilizing the standard deduction. I could be mistaken, but turbotax seems to suggest you can deduct dental insurance as well, while using standard deduction, on this page, under section "Deducting health insurance premiums": https://turbotax.intuit.com/tax-tips/home-ownership/deducting-health-insurance-premiums-if-youre-self-employed/L6bRhLaVE

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3 Replies
Level 15
Feb 1, 2025 4:05:28 PM

All medical expenses are entered on Schedule A as an itemized deduction.

Level 2
Feb 1, 2025 4:40:58 PM

@DoninGA I don't believe what you're saying is accurate/relevant to my question. See the link I posted from TurboTax. Quoting here, bolding extra relevant parts.

 

Deducting health insurance premiums

If you are self-employed, you may be eligible to deduct premiums that you pay for medical, dental and qualifying long-term care insurance coverage for yourself, your spouse and your dependents.

  • This health insurance write-off is entered on Part II of Schedule 1 as an adjustment to income and transferred to page 1 of Form 1040, which means you benefit whether or not you itemize your deductions.

  • Unlike an itemized deduction, this deduction treatment is beneficial because it lowers your adjusted gross income (AGI).

  • Having lower AGI can reduce the odds that you’ll be affected by unfavorable phase-out rules that can cut back or eliminate various tax breaks.



 

Employee Tax Expert
Feb 8, 2025 2:16:44 PM

Yes, when you are going through your business return, you can enter your additional medical expenses - like dental

provided they meet the requirements. 

If you file Sch C, About Schedule C (Form 1040), Profit or Loss from Business IRS. Line 14 is for these benefits.