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Level 5
posted Mar 21, 2020 8:05:20 PM

Medical Co-Payment Dedection / Credit, NJ and Federal ?

Hi,

 

Do I have this correct?

 

I paid $3900 over 12 months in bi-weekly deductions from my check for health insurance.  My employer paid the rest of the premium.

 

So, I see block 1 on my W2 is 3900 less than block 18.  I assume that's the extent of how you get the credit deduction federally?

 

And I assume being a gross income state, you get nothing back for the 3900 from NJ?

 

Thank you!

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1 Best answer
Expert Alumni
Mar 22, 2020 8:19:54 AM

As far as your federal return, and box 1 of your Form W-2 being less than box 18, you're almost correct -- you're not taxed on the health insurance that you're seeing deducted from box 1, giving you a tax break for your contributions.

And, as far as the W-2 and New Jersey income, you're correct.  For your New Jersey return, you use your “State Wages” from box 16 of your W-2, not the federal wages shown in box 1.   See the Instructions for 2019 Form NJ-1040 for more information.

1 Replies
Expert Alumni
Mar 22, 2020 8:19:54 AM

As far as your federal return, and box 1 of your Form W-2 being less than box 18, you're almost correct -- you're not taxed on the health insurance that you're seeing deducted from box 1, giving you a tax break for your contributions.

And, as far as the W-2 and New Jersey income, you're correct.  For your New Jersey return, you use your “State Wages” from box 16 of your W-2, not the federal wages shown in box 1.   See the Instructions for 2019 Form NJ-1040 for more information.