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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I am self-employed but enrolled in my spouse's group health plan at the college where she works. My business pays the premium for my coverage. Do I deduct this on my individual or corporate tax return?

A: Unfortunately neither. The IRS has taken the clear and consistent position that a self-employed individual cannot deduct the cost of group health insurance offered through a spouse's employer. This seems unfair to many because health insurance is deductible in almost every other situation. One possible work-around if you are a C corporation is to establish a Health Reimbursement Arrangement (HRA) and funnel your health care expenses that way. See for more information.


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