Employer Medical Insurance Paid Post Taxes

Forum|Forum|11 months ago
May 1, 2025
2 replies
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My husbands employer has been deducting our medical insurance premium post tax for the last 18 years. We just noticed this. I know we can only go back 3 years to claim but we did not itemize the last 3 years. We will however itemize for this year. Can I claim this when we do our taxes for 2025?

Best answer by xmasbaby0

This question was answered in both of the replies you already received. Out of pocket medical expenses for 2025 can be entered for 2025. Whether those expenses have any effect on your tax due or refund is questionable, because first you have to meet the 7.5% of AGI threshold for medical expenses, and also meet the threshold to itemize deductions.

I hope we are not misunderstanding your question. You have mentioned "going back three years" more than once in these posts. Are you asking if you can go back three years and put the past three years of out of pocket health insurance premiums on your upcoming 2025 return? If that is what you are asking, the answer is NO. Only medical expenses paid in 2025 can be entered on a 2025 tax return.

Mike9241

if they are truly post-tax you can deduct as a medical expense those insurance premiums taken from his paycheck. However, to be of tax benefit those premiums plus other medical expenses must exceed 7.5% of your adjusted gross income.

jeffandkarleenAuthor

Yes I know and understand that.

That is not my question though.

xmasbaby0

Employee

If you itemize deductions instead of using standard deduction then you can enter your out of pocket medical expenses including health insurance premiums paid out of pocket. It is, of course, very difficult to meet the threshold to actually get a medical expense deduction.

MEDICAL EXPENSES

The medical expense deduction has to meet a rather large threshold before it can affect your return. The amount of medical (including dental, vision, etc.) expenses that will count toward itemization is the amount that is OVER 7.5% of your adjusted gross income. You should only enter the amount that you paid in 2024—do not include any amounts that were covered by insurance or that are still outstanding. Of course, your medical expenses plus your other itemized deductions still have to exceed your standard deduction before you will see a difference in your tax due or refund.

To enter your medical expenses go to Federal>Deductions and Credits>Medical>Medical Expenses

2024 STANDARD DEDUCTION AMOUNTS

SINGLE $14,600 (65 or older/legally blind + $1950)

MARRIED FILING SEPARATELY $14,600 (65 or older/legally blind + $1550)

MARRIED FILING JOINTLY $29,200 (65 or older/legally blind + $1550)

HEAD OF HOUSEHOLD $21,900 (65 or older/legally blind + $1950)

2025 STANDARD DEDUCTION AMOUNTS

SINGLE $15,000 (65 or older/legally blind + $2000

MARRIED FILING SEPARATELY $15,000 (65 or older/legally blind +1600)

MARRIED FILING JOINTLY 30,000 (65 or older/legally blind + $1600)

HEAD OF HOUSEHOLD $22,500 (65 or older/legally blind + $2000

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**