Are medical expenses what i paid after what insurance covered?

[VolvoGirl]

Yes.  You can deduct any medical expenses you pay out of pocket that you are not reimbursed for.  You enter the total for the year.  Medical is an Itemized Deduction on Schedule A.  The Free Edition does not have Schedule A or Deductions so you will have to upgrade to Deluxe.

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 2021 the standard deduction amounts are:

Single 12,550 + 1,700 for 65 and over or blind (14,250)

HOH 18,800 + 1,700 for 65 and over or blind

Joint 25,100 + 1,350 for each 65 and over or blind

Married filing Separate 12,550 + 1,350 for 65 and over or blind

[ee-ea]

You are right.  They are the money that comes out of your pocket.