Where do I enter my health insurance premiums if I'm self-employed?
As a self-employed person, you may be able to deduct health insurance costs for yourself, your spouse, and your dependents.
Select your situation below and follow the instructions to enter this info in TurboTax.
I have a Form 1095-A from a government marketplace
Follow the steps here.
I paid COBRA premiums and the policy is in a former employer's name
Navigate to the Schedule A section:
TurboTax Online/Mobile: Go to the Schedule A screen under Deductions & Creditsunder Deductions & Credits
TurboTax Desktop:
Go to Federal Taxes
Go to Deductions & Credits
If asked, How do you want to enter your income?, select I'll choose what I work on.
Under the Medical section, select Update or Start next to Medical Expenses.
Answer Yes to Did you have any medical expenses in 2025?
Answer the questions (you can leave them blank if they're asking about a type of expense you didn't have) until you reach How much did you spend on insurance premiums? Enter your COBRA premiums under Medical insurance premiums.
I have a different policy and I use TurboTax Online
Navigate to the Schedule C section:
TurboTax Online/Mobile: Go to the Schedule C screen under Wages & Income.
If this is your first time entering info about your self-employment work, you’ll be asked some initial questions.
If you previously entered info on your self-employment work, select Edit next to the type of work you entered previously.
On the Select the expense categories you have screen, select Less common to show all expense categories. Browse the options and select Health insurance premiums, then select Continue.
On the Expenses section, find the Health insurance premiums section and select Start.
On the Tell us about health insurance premiums for your [business] work screen, enter the total amount of health insurance premiums you paid.
I have a different policy and I use TurboTax Desktop
Go to Federal Taxes
Go to Wages & Income
If asked, How do you want to I enter your income?, select I'll choose what I work on.
Under Business Items, select Start or Update next to Business Income and Expenses (Sch C)
If this is your first time entering info about your self-employment work, you’ll be asked some initial questions.
If you previously entered info on your self-employment work, select Edit next to the type of work you entered previously.
Enter/review your business info until you get to the Business Expenses screen.
Select Start or Update next to All other expenses.
Enter your total amount for the year next to Self-Employed Health Insurance Premiums and Continue.
I have a different policy and I use TurboTax Home & Business
With your return open, search for business expenses inside your TurboTax Home & Business program.
Select the jump-to link at the top of your search results.
On the First, select the expenses you know you had screen, select Edit next to your business.
Select Start or Update next to Other Common Business Expenses.
On the Let's write off some business expenses screen, select Start or Update next to Insurance Payments.
On the Insurance Payments screen, select Start or Update by Health Insurance Premiums.
