Can You Deduct Medical Expenses on Your Taxes in the U.S.? Here's What Qualifies

Can You Deduct Medical Expenses on Your Taxes in the U.S.? Here's What Qualifies


Can You Deduct Medical Expenses on Your Taxes in the U.S.? Here's What Qualifies

Medical bills can add up fast — but did you know that some of those expenses may be deductible on your taxes?

Let’s explore when and how you can claim medical expense deductions in the U.S., and what qualifies under IRS rules.

🧾 What Is the Medical Expense Deduction?

You may be able to deduct qualified unreimbursed medical expenses — but only if you itemize deductions on your tax return.

πŸ” They must exceed 7.5% of your Adjusted Gross Income (AGI) to be deductible.

πŸ’‘ Example:

  • AGI: $60,000

  • 7.5% of AGI = $4,500

  • If your out-of-pocket medical costs = $7,000
    → You can deduct $2,500 on Schedule A

✅ What Medical Expenses Qualify?

You can deduct:

  • Doctor, dentist, surgeon, chiropractor, psychiatrist fees

  • Hospital services & nursing care

  • Prescription medications & insulin

  • Health insurance premiums (if not employer-paid)

  • Long-term care costs

  • Medical equipment (wheelchairs, hearing aids, etc.)

  • Transportation & lodging for medical care

πŸ“ IRS Publication 502 has the full list

🚫 What Doesn't Qualify?

  • Cosmetic surgery

  • Over-the-counter meds (unless prescribed)

  • Gym memberships

  • Vitamins/supplements (unless prescribed)

  • Non-medical travel

πŸ“„ How to Claim the Deduction

  1. Itemize deductions using Schedule A (Form 1040)

  2. Keep receipts & documentation

  3. Calculate eligible expenses that exceed 7.5% of AGI

  4. File before the IRS deadline (usually April 15)

πŸ§“ Special Consideration for Seniors

If you’re age 65 or older, you may have:

  • More qualifying expenses

  • Lower AGI thresholds for other credits
    → Deduction likelihood increases significantly

πŸ“ Conclusion

Yes, you can deduct medical expenses on your taxes — but only if you itemize, and only for expenses above 7.5% of your income.

If your medical bills are piling up, it’s worth doing the math.
When in doubt, speak to a tax advisor to see what qualifies and how to maximize your deductions.


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