Time elective procedures to clear the 7.5%-AGI floor in one big year.
Medical deductions only kick in above 7.5% of AGI. Stack elective/deferrable procedures — LASIK, ortho, dental implants, IVF, out-of-network surgery — into ONE tax year to clear the floor in one shot, then bunch again 2–3 years later. On $200K AGI, floor is $15K; anything above deducts fully. Also front-load Rx refills, glasses, hearing aids, LTC premiums.
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Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse employees for individual health premiums — tax-free, no group plan needed.
Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
$75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.
Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.
Travel and $50/night lodging for medical care count toward the medical deduction.
Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).
$200–$450/mo cost-sharing plans (Medi-Share, CHM, Samaritan, Sedera).