Working my way through our taxes, and it looks like we're able to itemize again this year, so I'm trying to make sure we don't miss out on any deductions. In totaling our medical expenses, I'm looking for confirmation as to what I can/can't include.
Info: We have an employer-sponsored HDHP (with HSA) with a $3000 family deductible. Box 12W on the W2 shows $7650, which is the pretax employee-elected HSA contribution ($6150, yes, over age 50) + employer HSA contribution ($1500). Employee health insurance premium is >$5K. We are banking the HSA and not tapping it for current medical expenses.
Questions:
(1) I think it's the case, but can someone confirm for me that our Schedule A medical expense deduction would be a total of $3000 (plan deductible) + all eligible out of pocket medical expenses (those beyond the $3K deductible)?
(2) ... and we cannot include the health insurance premium amount ($5K) paid out of salary, correct, in that it is a pre-tax amount?
Thank you!