Is the deductible and coinsurance tax deductible? Also, is the patient responsibility not paid by the plan tax deductible?

[Viningsgator]

We didn't itemize medical expenses for 2015. Wife was billed $75,099.65 with our plan giving a discount of $38316.91. Our plan paid $18,186.89. That left us with a patient responsibility of $18,622.77.

Is this a possible tax deduction? This patient responsibility is broken down by the following. $2613.94 for deductible; $2306.83 for coinsurance with patient responsibility of $13,702.

[DoninGA]

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[SweetieJean]

@Viningsgator If you haven't paid these yet, you may be able to negotiate with the health care provider.

[DoninGA · Accepted solution]

You can only deduct the medical expenses that you actually paid with out of pocket funds in the year the expenses were paid.  If you paid any of those expenses in 2015 but did not report them on Form 1040 Schedule A, then you would need to file an amended tax return for 2015 if you choose to report the amounts paid.

See this TurboTax support FAQ on amending a 2015 return completed using TurboTax -  https://ttlc.intuit.com/questions/2589210-how-do-i-amend-change-or-correct-a-2015-return-in-turbotax

Health care insurance premiums and other medical expenses that you paid with out of pocket funds 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 10% of your Adjusted Gross Income (AGI) can be deducted if you are under age 65.  If you are age 65 or older the AGI limit is 7.5%.  Your total itemized deductions must be greater than your standard deduction for your filing status to have any tax benefit.

Standard deductions for 2015 

• Single - $6,300 add $1,550 if age 65 or older
• Married Filing Separately - $6,300 add $1,250 if age 65 or older
• Married Filing Jointly - $12,600 add $1,250 for each spouse age 65 or older
• Head of Household - $9,250 add $1,550 if age 65 or older