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¿Puedo reclamar gastos médicos en mis impuestos?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 26, 2023 01:35 PM
OVERVIEW

Los gastos médicos pueden ser deducibles de tus impuestos. Aprende que gastos pueden ser deducibles en los impuestos del 2022 que presentarás en el 2023.

 

Puntos clave

  • El IRS permite a los contribuyentes deducir sus gastos médicos calificados no reembolsados que excedan el 7.5 % de su ingreso bruto ajustado.
  • Debes detallar tus deducciones en el Anexo A del IRS a fin de deducir tus gastos médicos en vez de tomar la deducción estándar.
  •  El IRS te permite deducir tus pagos no reembolsados por cuidado preventivo, tratamiento, cirugías, cuidado dental y de visión, visitas al psicólogo y psiquiatra, medicamentos con receta, aparatos como los espejuelos, lentes de contacto, dentaduras postizas y audífonos, y gastos de viaje que pagues para cuidado médico calificado.
  • Al momento, todos los gastos no reembolsados incurridos como resultado del COVID-19 son deducibles de impuestos.
  • Si pagas tus gastos médicos utilizando dinero de tu cuenta flexible para gastos médicos o tu cuenta de ahorros para la salud, esos gastos no son deducibles, porque el dinero en esas cuentas ya obtuvo un trato preferencial para impuestos.

Los gastos médicos pueden consumir parte de presupuesto cualquier año. Pero muchos contribuyentes quieren saber, especialmente durante la pandemia: ¿Son deducibles los gastos médicos? Afortunadamente, si tienes facturas médicas que no fueron cubiertas por tu seguro médico, es posible que puedas reclamar una deducción por esos gastos para reducir tus impuestos. Te explicaremos que gastos médicos son deducibles de tus impuestos, si calificas y cómo reclamarlos.

¿Son deducibles los gastos médicos?

El IRS (Servicio de Rentas Internas según sus siglas en inglés), te permite deducir gastos no reembolsados para cuidado preventivo, tratamiento, cirugía, cuidado de visión y dental como gastos médicos calificados. También puedes deducir gastos no reembolsados por visitas al psicólogo y psiquiatra. Gastos no reembolsados por medicamentos recetados y equipo como espejuelos, lentes de contacto, dientes postizos y audífonos también son deducibles.

El IRS también te permite reclamar gastos de viaje que pagues para obtener cuidado médico, como millaje en tu carro, tarifas de autobús y estacionamiento.

Valor de la deducción para gastos médicos

El valor de tu deducción de gastos médicos varía porque la cantidad cambia basado en tu ingreso. El IRS permite a todos los contribuyentes deducir los gastos médicos calificados no reembolsados incurridos en el año que superen el 7.5 % de su Ingreso Bruto Ajustado (AGI, por sus siglas en inglés).

Tu Ingreso Bruto Ajustado es la suma de todos tus ingresos tributables, menos cualquier ajuste que aplique a dichos ingresos como contribuciones a una cuenta IRA tradicional e intereses pagados sobre préstamos estudiantiles.

Por ejemplo, si tienes un Ingreso Bruto Ajustado de $45,000 y gastos médicos por $5,475, tendrías que multiplicar $45,000 por 0.075 (el 7.5 %) y verás que solo se pueden deducir los gastos que superen los $3,375. En este caso, tu deducción de gastos médicos es de $2,100 (5,475 - 3,375).

Además, como resultado de La Ley de Empleos y Reducción de Impuestos de 2017 (TCJA según sus siglas en inglés), la deducción estándar casi se ha duplicado comparado con lo que era en el 2016. Para el 2023, la deducción estándar para contribuyentes solteros es $13,850 para los contribuyentes solteros y $27,700  para los contribuyentes casados declarando en conjunto. Para el 2024 estas cantidades aumentan a $14,600  y $29,200 respectivamente. 

Cuando presentas tu declaración, típicamente puedes escoger entre la deducción estándar o detallar tus deducciones. Usualmente escogerías la que te de la mayor deducción. Si tus deducciones detalladas son menos que la deducción estándar usualmente no detallaras tus deducciones, lo que significa que no recibirás una deducción por gastos médicos.

Nota de TurboTax:

Normalmente, debes reclamar tus gastos medicos si tus deducciones detalladas son mayores que tu deducción estándar (TurboTax puede hacer este cálculo por ti).

¿Son deducibles los gastos médicos relacionados a la pandemia?

El costo de cualquier tratamiento relacionado al COVID-19 es deducible como una deducción detallada tal como un gasto médico ordinario no reembolsado. Compañías de seguros médicos, Medicare o Medicaid deben cubrir tu tratamiento de COVID-19, pero aún pueden quedar pacientes con ciertos seguros médicos pagando deducibles o copagos. Sin embargo, muchas compañías han acordado cubrir todo el costo de tratamientos de COVID-19, incluyendo cualquier deducible o copago.

Si tienes cualquier gasto por tratamientos o viajes médicos relacionados al COVID-19 que no haya sido reembolsado, estos pueden ser deducibles si detallas tus deducciones.

¿Qué gastos médicos son deducibles?

El IRS te permite deducir como gastos médicos calificados los costos de atención médica preventiva, tratamientos, cirugías y atención odontológica y oftalmológica. También puedes deducir las consultas a psicólogos y psiquiatras. Los medicamentos con prescripción médica y dispositivos tales como lentes, lentes de contacto, prótesis dentales y audífonos, también son deducibles.

El IRS también te permite deducir los gastos que pagas para trasladarte a fin de recibir atención médica, como el millaje de tu auto y tarifas de ómnibus y estacionamiento.

¿Qué gastos no se pueden deducir?

No se puede deducir ningún gasto médico por el cual obtengas un reembolso, por ejemplo, del seguro o de tu empleador. Además, por lo general, el IRS deniega los gastos por procedimientos cosméticos. No puedes deducir el costo de fármacos sin prescripción médica (excepto la insulina) u otras compras para el bienestar de la salud en general, como pasta de dientes, cuotas de gimnasios, vitaminas o alimentos dietéticos, productos con nicotina sin prescripción médica o gastos médicos pagados otro año.

¿Hay algún gasto médico calificado relacionado a la pandemia que no sea deducible?

No. Ahora mismo, todos los gastos médicos no reembolsados incurridos como resultado del COVID-19 son deducibles.

Reclamo de la deducción de gastos médicos

Para reclamar la deducción de gastos médicos, tienes que detallar tus deducciones. Optar por el método detallado requiere que no tomes la deducción estándar, así que solo debes reclamar la deducción de gastos médicos si tus deducciones detalladas superan tu deducción estándar (TurboTax hará este cálculo por ti).

Si optas por detallar tus deducciones, tienes que usar el Formulario 1040 del IRS para presentar tus impuestos y adjuntar el Anexo A.

  • En el Anexo A, reporta el total de gastos médicos que pagaste durante el año en la línea 1 y tu Ingreso Bruto Ajustado (de tu Formulario 1040) en la línea 2.
  • Indica el 7.5 % de tu Ingreso Bruto Ajustado en la línea 3.
  • Ingresa la diferencia entre tus gastos y el 7.5 % de tu Ingreso Bruto Ajustado en la línea 4.
  • La cantidad resultante en la línea 4 se restará de tu Ingreso Bruto Ajustado para reducir tu ingreso tributable del año.
  • Si esta cantidad, más cualquier otra deducción detallada que reclames, es menor que tu deducción estándar, no deberías optar por el método detallado.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

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Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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  • Audit Support Guarantee – Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2024 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2024 tax year and, for individual, non-business returns, for the past two tax years (2022, 2023). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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