Tip for Schedule A (Form 1040)

You can only deduct medical expenses that exceed 7.5% of your Adjusted Gross Income (AGI)

Tip for Schedule A (Form 1040)

Itemizing only benefits you if total itemized deductions exceed the standard deduction ($15,000 single / $30,000 married filing jointly for 2025)

Tip for Schedule A (Form 1040)

Eligible expenses include: insurance premiums (if not pre-tax), co-pays, prescriptions, dental, vision, hearing, long-term care, and medical travel

Tax-Related Healthmoderate

Schedule A - Medical Expense Deductions

Schedule A (Form 1040) · Internal Revenue Service

Medical and dental expenses exceeding 7.5% of AGI are deductible when itemizing. Includes insurance premiums, copays, prescriptions, medical devices, and travel to appointments.

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Where to Submit This Form

📬

File with your annual federal tax return

Attach Schedule A (Itemized Deductions) to your Form 1040. Medical expenses are reported in Part I.

🌐

File electronically through tax software

https://www.irs.gov/forms-pubs/about-schedule-a-form-1040

Tax software will determine if itemizing saves you more than the standard deduction.

Filing Deadline

Filed with your annual tax return by the April filing deadline.

Required Attachments

📎 Documentation of all qualified medical and dental expenses
📎 Explanation of Benefits (EOBs) showing amounts not covered by insurance
📎 Receipts for out-of-pocket medical expenses (prescriptions, co-pays, travel for medical care, etc.)
📎 Form 1040 with Schedule A attached

Processing Time

Processed as part of your regular tax return.

What Happens Next

The IRS may request documentation to substantiate medical expense deductions during an audit. Keep all receipts and records for at least 3 years after filing.

Tips for This Form

✓ You can only deduct medical expenses that exceed 7.5% of your Adjusted Gross Income (AGI)
✓ Itemizing only benefits you if total itemized deductions exceed the standard deduction ($15,000 single / $30,000 married filing jointly for 2025)
✓ Eligible expenses include: insurance premiums (if not pre-tax), co-pays, prescriptions, dental, vision, hearing, long-term care, and medical travel
✓ Cosmetic procedures are NOT deductible unless medically necessary

More Tax-Related Health Forms

Premium Tax Credit (PTC)

Form 8962 · Internal Revenue Service

Reconciles advance premium tax credit (APTC) payments with actual PTC eligibility based on final income. Required if you or a family member received APTC through the Marketplace. Failure to file blocks future APTC.

Health Insurance Marketplace Statement

Form 1095-A · Health Insurance Marketplace

Shows months of Marketplace coverage, premiums, and APTC paid. Sent to enrollees by mid-February. Used to complete Form 8962.

Health Coverage (1095-B)

Form 1095-B · Health insurance companies / Medicaid agencies

Shows who was covered and which months. Sent by insurers and Medicaid agencies. Not filed with tax return but should be kept as a record of coverage.

Employer-Provided Health Insurance Offer and Coverage

Form 1095-C · Large employers (50+ FTE)

Reports health coverage offered by employer. Sent to employees by March 2. May be used to determine PTC eligibility.

Health Savings Accounts (HSA)

Form 8889 · Internal Revenue Service

Reports HSA contributions and distributions. Must be filed if you had any HSA activity during the year. Part 1 covers contributions (potential tax deduction).

FSA Enrollment Form

Employer-specific · Employer / FSA administrator

Election to participate in a Flexible Spending Account during open enrollment. Specifies annual pre-tax contribution amount. Use-it-or-lose-it rules apply (with possible carryover or grace period).

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