Where do I enter my dental insurance premiums in TurboTax if purchased through the marketplace (Obamacare)?

[gguerrero61]

I'm using TT Premier 2022 and under Deductions & Credits => Medical, I entered the info found on the 1095-A I received but this covers only my health insurance from Blue Cross/Blue Shield. I also purchased a dental plan for me and my family. Where do I enter the dental plan premiums I paid in 2022?

[DoninGA]

Health care insurance premiums, including dental and vision insurance premiums, and other medical expenses that you paid with out of pocket funds and were not reimbursed 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 7.5% of your Adjusted Gross Income (AGI) can be deducted. Your total itemized deductions reported on Form 1040 Schedule A must be greater than the standard deduction for your filing status to have any tax benefit.

Standard deductions for 2022

Single - $12,950 add $1,750 if age 65 or older
Married Filing Separately - $12,950 add $1,400 if age 65 or older
Married Filing Jointly - $25,900 add $1,400 for each spouse age 65 or older
Head of Household - $19,400 add $1,750 if age 65 or older

To enter your medical expenses -

Click on Federal Taxes (Personal using Home and Business)
Click on Deductions and Credits
Click on I'll choose what I work on (if shown)
Scroll down to Medical
On Medical Expenses, click the start or update button

Or enter medical expenses in the Search box located in the upper right of the program screen. Click on Jump to medical expenses

[gguerrero61]

Yes, I've gone through this process but don't know where to enter the dental plan premiums that I purchased through Obamacare. Do I enter it on this page? It's confusing since it says not to enter premiums purchased under Obamacare.

How much did you spend on insurance premiums?

Tell us about any insurance premiums you paid for out-of-pocket. Learn more

Don't include premiums for:

• Health insurance you paid pretax out of your paycheck
• Self-employed health insurance
• An Affordable Care Act plan (also known as Obamacare) Learn more
• Health insurance if you got a Form 1095-A

[DoninGA]

The dental insurance premiums are not part of Obamacare.  Enter the dental premiums paid in the that section.

[esther12]

Do I add the dental insurance premiums in the dental expense section? My 1099-R form only listed my blue cross/blue shield contributions in box 5.  The additional premiums for dental and vision insurance (which is also bl/bs) aren't listed anywhere.

[DawnC]

Add them to Medical Expenses - Insurance premiums.   If you itemize, these will be deducted on Schedule A.   Medical Expenses are only deductible if you itemize and only the amount over 7.5% of your AGI counts as a deductible expense.   Don't enter the premiums from your 1099-R here, it will be deducted twice if you do.    @esther12   Enter insurance premiums you paid here, for things like:

• Medical care
• Hospitalization
• Surgical fees
• X-rays
• Inpatient care
• Dental care
• Prescription medicines
• Hearing care
• Vision
• Membership payments for HMOs

[Lee171]

If I purchased a separate individual dental plan through marketplace do I list those dental insurance premiums here?  My dental insurance premiums were separate from my marketplace health insurance premiums that I didn't include here because I reported those on form 1095-A.

[DoninGA]

@Lee171 

Dental insurance premiums paid with out of pocket funds are entered on Schedule A as an itemized medical expense.

Health care insurance premiums, including dental and vision insurance premiums, and other medical expenses that you paid with out of pocket funds and were not reimbursed 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 7.5% of your Adjusted Gross Income (AGI) can be deducted. Your total itemized deductions reported on Form 1040 Schedule A must be greater than the standard deduction for your filing status to have any tax benefit.

Standard deductions for 2024

Single - $14,600 add $1,850 if age 65 or older
Married Filing Separately - $14,600 add $1,550 if age 65 or older
Married Filing Jointly - $29,200 add $1,550 for each spouse age 65 or older
Head of Household - $21,900 add $1,950 if age 65 or older

To enter your medical expenses -

Click on Federal Taxes (Personal using Home and Business)
Click on Deductions and Credits
Click on I'll choose what I work on (if shown)
Scroll down to Medical
On Medical Expenses, click the start or update button

Or enter medical expenses in the Search box located in the upper right of the program screen. Click on Jump to medical expenses