Can I deduct medical expenses not paid thru my HSA?

[marn77]

I paid some medical expenses with my non HSA account.  Can I still deduct them?

[ghost]

Yes. Itemized medical deductions must exceed 10% of adjusted gross income (under age 65) to be deductible.

[marn77]

Thanks.

[marn77]

Do I understand that it is the amount I contributed to the HSA that is deductible rather than the amount of expenses I paid with the funds?

[ghost]

Yes, but only contributions made with after-tax money is deductible on your tax return. Contributions made through your employer are pretax and the deduction was given by reduction in the taxable wages on your W2.

[marn77]

Thanks

[ghost]

Back to medical expenses:
You can reimburse yourself (from your HSA) the amount paid from your non-HSA for the expenses mentioned above as long as those expenses are incurred at a time when you had a HSA available. There's no rule saying that you must use HSA to pay in the same year the expense was incurred. That's a better choice for maximum tax savings.

[marn77]

Thanks.  That was very helpful.

[ghost]

You're welcome.

[ghost · Accepted solution]

Copied from above:

Yes. Itemized medical deductions must exceed 10% of adjusted gross income (under age 65) to be deductible.


You can reimburse yourself (from your HSA) the amount paid from your non-HSA for the expenses mentioned above as long as those expenses are incurred at a time when you had a HSA available. There's no rule saying that you must use HSA to pay in the same year the expense was incurred. That's a better choice for maximum tax savings.