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Can you deduct self-employed health insurance if you are eligible for your spouse's employer plan but you bear the entire cost and you choose to get your own insurance

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Level 12

In my opinion, no.  Well, almost always no.

The insurance plan would be employee+spouse, or a 'family' plan.  So even though the add-on cost is not 'subsidized', the actual policy/plan IS "subsidized" (assuming the employer pays something towards the employee's insurance), which would disqualify the Self Employed Health Insurance deduction.

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Level 12

In my opinion, no.  Well, almost always no.

The insurance plan would be employee+spouse, or a 'family' plan.  So even though the add-on cost is not 'subsidized', the actual policy/plan IS "subsidized" (assuming the employer pays something towards the employee's insurance), which would disqualify the Self Employed Health Insurance deduction.

View solution in original post

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