This answer clarified finished clarifying it for me, thanks.  I thought I was marking it as "best answer," but apparently I clicked on one of the other ones, sorry.  (Not completely awake; furnace went out in the middle of the night.) ... View more

No, I haven't gone to the website; I was going to call them tomorrow. Last year, I had to add up all of our medical expenses and charitable deductions anyway, because they came so close to the doubled standard deduction.  At this moment, our health insurance premiums alone for 2020 were almost $12,900.  Our long-term health care premiums were $2700, so between the two, we're not talking chicken feed.   (And, big shock, they're both higher this year.)  Didn't bother adding up medical miles this year, as we didn't have nearly as many as usual, and I didn't look too hard for other things that weren't covered by the HSA...yet.   I don't recall seeing anything under medical deductions about entering the HSA distributions, and I didn't, because I knew they weren't deductible.  But now you're telling me that if I didn't enter them for 2019 under that, they may have based my "over 7.5% of my AGI" (or 10%, whichever it was that year) on my total medical expenses MINUS the HSA distributions?   That's a heckuva difference.   $2700 in property taxes and what will come out to $3-4K in charitable contributions would be added to itemizing as well.   I didn't think we would be as close to the standard deductions this year, so I have so far only filled in cash donations, not in-kind, which will be at least several hundred dollars.   I think we may still not hit it this year, but how would I figure out if last year's was correct?   (I won't see a reply to this until tomorrow.  Thanks.) ... View more

Great, even better!  Thanks. ... View more

No, it won't hurt me to add them, but it's fairly time-intensive.  Aside from monthly cash donations to a few different organizations and random contributions for friends participating in fundraising walks or bike rides--the easy ones to add up--there are the in-kind ones.  Haven't been as many to Goodwill or the library this year as normal, but I have items shipped directly to the local domestic violence shelter throughout the year, and it's a royal pain to have to go back and locate the dates, items, and cost of dozen of pillows, towel sets, small kitchen appliances etc.   Medical expenses are always a pain in the rear, but since we've been using our HSA to a greater extent, most of our expenses in that area will already be pre-tax.  Then again, our health insurance premiums and deductibles alone come close to $20K, which puts me back in the arena of "do I need to add everything up and make sure?"  Gaaahh!   Are we back to only being able to deduct over 10% of our AGI for medical? ... View more

Do you know if this means I have to have entered the donation already in the normal area?  That won't be difficult, as I know we have donated that much to one agency in particular and could add up others to reach that as well.    And thanks, as I had apparently missed hearing about the above the line option available this year.   ... View more

Thanks.  As far as I know, the only one our state allows that I might have done is to an accredited college or university, which we didn't do this year.   I missed out on hearing about the $300, so I appreciated getting that info from you and others here. ... View more