Can I deduct health insurance premiums taken from my paycheck?
In most cases, you can't deduct your share of health coverage costs for a group plan offered through your employer.
The reason? Most premiums are paid with pre-tax dollars, which means they are deducted from your wages before taxes are applied. Deducting them again as a medical expense would be "double-dipping."
You can only deduct the premiums if your employer included them in box 1 (Gross Wages) of your W-2. However, this is highly unusual and contrary to the standard practice.
Similarly, HSA and MSA contributions that come out of your paycheck aren't deductible either, as these contributions are funded with pre-tax dollars.
今年自己用TurboTax报税，才发现这么多年公司给的w2上的第一栏(wages)并没有减掉我每年所交的医疗保险费用。我一前都是默认已经减掉了的，原来这么多年这部分费用我们一直在纳税。今年2月份刚刚换了工作，不想再回头找前公司去correct w2.
请问这种情况下有什么办法可以在报税的时候把医疗保险费用从我们的taxable income里减掉？网上查了查好像必须用itemized deductions才可以，可是我们用的是standard deduction.
而且用itemized deduction反而免税少的，改不改都一样。
It won't make any difference.
401k是税前，hsa是税前
Can I deduct health insurance premiums taken from my paycheck?
In most cases, you can't deduct your share of health coverage costs for a group plan offered through your employer.
The reason? Most premiums are paid with pre-tax dollars, which means they are deducted from your wages before taxes are applied. Deducting them again as a medical expense would be "double-dipping."
You can only deduct the premiums if your employer included them in box 1 (Gross Wages) of your W-2. However, this is highly unusual and contrary to the standard practice.
Similarly, HSA and MSA contributions that come out of your paycheck aren't deductible either, as these contributions are funded with pre-tax dollars.
老公的W2，发现其中第一栏里的数字是这样算出来的：
wages = Gross pay - 401k contribution - HSA contribution - health insurance premium
这个与我的理解相符。而我目前的W2的第一栏 wages = Gross pay - 401k (我没有HSA）
我们的工资单没有明确标注哪些deductions是税前的。工资单有三个section：1) Gross earnings 2) deductions from gross (其中包括401k, health insurance, dental/vision), 3) taxes
我一直认为第二项的所有deductions都是税前的