Medical expenses can be a significant financial burden, but certain costs may be deductible on your taxes if you itemize. Only unreimbursed expenses exceeding 7.5% of your adjusted gross income qualify. Deductible items include insurance premiums, doctor visits, prescriptions, and medical equipment, as well as transportation and lodging related to care. Understanding IRS rules and keeping detailed records ensures you maximize your medical expenses tax deduction.

Each tax season, filers face a key decision: take the standard deduction or itemize their deductions. The standard deduction offers simplicity and a set amount based on filing status, while itemizing allows taxpayers to deduct specific expenses—like mortgage interest, charitable gifts, or medical costs—if they exceed the standard amount. With higher deduction limits and new rules in 2025, understanding both options can help you reduce taxable income and maximize your refund.