Social security income and paying health insurance premium?

Question

My mother is receiving her social security early at 60 years old under widowed category. But is not getting medicare yet. So she is qualified for the low income health benefits. While being placed on the waiting list, she is purchasing the health plan at $302 a month. Can she claim this as a deductible when filing for taxes? Does she have to meet the 7.5% rule for medical expenses?

Answer 1

Yes, she can claim the premiums, but yes she'd have to meet the 7.5% of income rule.  If ss is her only income, she doesn't owe any tax, so there would be no point in itemizing.

Answer 2

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Answer 3

Unfortunately, the only deduction would be the medical one on schedule A.  That is, it's subject to the 7.5% of AGI reduction and worthless to her if she cannot itemize or does not owe any income tax.