05/27/2026
Insurance is waaay too expensive these days to miss out on writing it off (if you qualify).
When you're self-employed, you may be able to deduct your health insurance premiums (including dental, vision, and qualifying long-term care premiums). This can apply to your spouse + dependents' premiums too!
What doesn't qualify? ↓
If you (or your spouse) were eligible for employer-sponsored coverage, this can affect whether you're able to deduct your premiums for those months.
The keyword here is eligible; this rule applies even if you didn't enroll in the employer-sponsored coverage. For each month you (or your spouse) were eligible, you can't deduct your SE health insurance premiums.
Also, the deduction can't exceed your earned self-employment income!
It's extremely nuanced, but extremely impactful deductions like these that small businesses can miss out on when they're not working with an Enrolled Agent!