Can I deduct medical expenses not paid thru my HSA?

Forum|Forum|7 years ago
June 5, 2019
9 replies
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I paid some medical expenses with my non HSA account. Can I still deduct them?

TurboTax Home & Biz Windows

Best answer by ghost

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.

ghost

Employee

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

M

marn77Author

Employee

Thanks.

M

marn77Author

Employee

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

Employee

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.

M

marn77Author

Employee

Thanks

ghost

Employee

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.

M

marn77Author

Employee

Thanks. That was very helpful.

ghost

Employee

You're welcome.

ghostAnswer

Employee

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.