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Just to add another perspective - I'm a partner in a surgical practice and our accountant has always handled this correctly. Here's the basic rule: 1. If you're a partner (>2% owner) in an S-corp or professional corporation, health insurance paid by the practice must be included in your W2 income 2. You then deduct these premiums as self-employed health insurance on line 16 of Schedule 1 (Form 1040) 3. This is NOT an itemized deduction - it's an adjustment to income Make sure to check if your practice is handling this correctly. Many medical groups miss this.
Is this different if the practice is an LLC taxed as a partnership rather than an S-corp? Our veterinary practice is set up this way and I'm now wondering if we're doing things correctly.
Yes, it's a bit different for LLCs taxed as partnerships. In that case, you wouldn't receive a W2 - you'd get a K-1 instead. The health insurance premiums would be reported as guaranteed payments on your K-1, and you'd still be eligible for the self-employed health insurance deduction. The key difference is the reporting method (W2 vs K-1), but you can still take the deduction either way if you're a partner. Just make sure the premiums are properly included in your income first.
Has anyone consulted IRS Publication 535? It specifically addresses this issue for partners. The relevant section states that partners can deduct health insurance as self-employed if the partnership either pays the premiums directly or reimburses the partner and reports this as guaranteed payments. For S-corp owners (>2%), Publication 535 requires that the premium payments be included in your W2 wages. Check out this example from page 21 of the publication: "Example 4. Sean is a partner in OPC Partnership—a partnership that owns and leases medical equipment. The Partnership Agreement states that Sean must pay for his own health insurance premiums. OPC Partnership annually reimburses Sean for the medical insurance premiums that he pays. OPC Partnership reports the reimbursed amount on Schedule K-1 (Form 1065), box 13, using code A, as unrelated to self-employment income. Sean can deduct the health insurance premiums as an adjustment to income on Form 1040.
This is super helpful, thank you! Between this discussion and the documents I've been reading, I think I finally understand how to handle this for my optometry practice. I need to talk to our practice manager about correcting our W2s.
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I'm a banking compliance officer (not tax advice!) and can shed some light on this from the bank's perspective. The confusion often stems from mixing up two separate requirements: 1) Regulatory reporting - Yes, you personally must be listed as the board member for Fed/FDIC reporting. This is about governance and responsibility. 2) Payment structure - This is separate from regulatory reporting. Many banks do pay board fees to professional entities rather than individuals. The key is proper documentation. The bank needs a service agreement between them and your S-Corp that specifically states you are the individual performing the services. Your bank's CEO might be confused because some banks have policies against this (not because of regulations, but internal policy).
Thank you for this insight! Do you have any suggestions for how I might approach the conversation with the CEO again? Is there specific regulatory guidance I could reference to help clarify the distinction between reporting requirements and payment structure?
I'd suggest approaching the conversation by acknowledging their regulatory concerns first, which shows you understand the importance of compliance. Then, bring up that many financial institutions separate personal board service from compensation arrangements. Ask if their concern is based on a specific regulation or internal policy. For reference materials, the FDIC's "Pocket Guide for Directors" and the OCC's "Director's Book" both discuss board responsibilities but don't prohibit compensation to business entities. You might also want to have your CPA prepare a short memo explaining the tax structure and confirming your personal liability remains unchanged. Having something in writing from a professional often helps overcome institutional resistance.
Has anyone considered the reasonable compensation rules for S-Corps in this scenario? The IRS scrutinizes S-Corps where owners avoid payroll taxes, especially when the income is clearly tied to personal services.
Good point! From my experience as a board member who uses an S-Corp, you'll still need to pay yourself a reasonable salary from the S-Corp for your board service. The tax advantage comes from only a portion of the income being subject to employment taxes, not eliminating them entirely.
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Former IRS employee here. Everyone's given good advice, but I want to add something important: the IRS generally doesn't actually want to take legal action against people - it's expensive and time-consuming for them too. What they absolutely hate is being ignored. Communication is your best friend. File your return, even if you can't pay. Look into the Fresh Start program which has more flexible terms for people in hardship situations. And remember that interest and penalties keep accumulating, so addressing this sooner rather than later is always better. Also worth noting: the IRS cannot put you in jail simply for owing taxes. Criminal charges only come into play with willful tax evasion, fraud, or similar deliberate acts. Being unable to pay is not a crime.
What about liens? I heard they can put a lien on your house or property if you don't pay. How long before they do that?
Liens are definitely a possibility, but they typically don't happen immediately. The IRS generally sends multiple notices before filing a tax lien. Usually, you'll receive several billing notices over a period of months. If you've set up an installment agreement and are making your payments on time, the IRS typically won't file a lien. However, if you owe more than $10,000 and don't set up a payment arrangement, a lien becomes much more likely. The timeline varies case by case, but it's usually not something that happens within the first couple months of non-payment.
Has anyone here done an Offer in Compromise? My buddy claims he settled $35k in taxes for like $5k, but that sounds way too good to be true. Anyone have experience with this?
I completed an Offer in Compromise last year. It's legitimate but NOT easy to get approved. They do a thorough financial analysis of your assets, income, and expenses to determine your "reasonable collection potential." They only accept offers that are equal to or greater than what they think they can collect from you. I owed about $22k and settled for $9k, but I had to prove genuine financial hardship and limited assets. The application process took almost 9 months and required extensive documentation. Those "pennies on the dollar" ads you hear are very misleading.
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One specific thing to check when interviewing CPAs for a small business - ask if THEY own a small business themselves. My CPA runs her own practice and understands the challenges from both sides. She gives me advice not just as an accountant but as a fellow business owner. Makes a huge difference.
That's a brilliant suggestion! Do you find that CPAs who own their own businesses charge more or less than those working for larger firms?
In my experience, solo CPAs or small firms often charge less than the big accounting firms, but it varies widely. Some specialists charge premium rates because of their expertise, while others keep rates lower because they have less overhead. What I've found more important than the base rate is how they structure their fees. My CPA charges a monthly retainer that includes regular check-ins and planning, rather than billing me by the hour every time I have a question. This encourages me to reach out proactively instead of avoiding contact because I'm worried about the clock ticking.
Has anyone used a "virtual" CPA who's not in your local area? I found someone online who seems perfect for my business but they're in another state. Not sure if this is a good idea or if I should stick to local options.
I've been using a virtual CPA for my consulting business for 3 years now. It works great honestly. We do video calls quarterly and email/text the rest of the time. The only downside is no in-person meetings, but the upside is I found someone who specializes in exactly my type of business rather than settling for whoever was local.
Abigail Patel
Something nobody has mentioned yet - if you're really worried, you can request your tax transcripts from the IRS! They're free and show exactly what the IRS has on file for you. I do this every year as a double-check. There are different types: - Account transcript: Shows payments, adjustments, penalties - Return transcript: Shows most of what was on your filed return - Record of Account: Combines the above two - Wage & Income: Shows reported W-2s, 1099s, etc. The account transcript will show if your payment was received and if there are any balance due. You can get them online at irs.gov or by mail.
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Daniel White
•Can you get these transcripts right away or is there a waiting period after filing?
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Abigail Patel
•There's a processing time of about 2-3 weeks after you file before the current year's transcripts become available. Prior years are available immediately. The "account transcript" will update faster than the others and will show your payment, so that's the best one to check first if you're concerned about whether your payment was properly applied.
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Nolan Carter
I'm in literally the same boat! Filed and paid $1200 on Feb 15th (ouch) and was wondering the same thing. Called IRS yesterday after stressing for a week and the agent told me "no news is good news" - if they don't contact you about issues, everything is fine. She confirmed my payment posted correctly and return was accepted. Apparently they only send formal notices if there are problems or if you're getting a refund. If you paid what you owed and the return calculates correctly, you won't get any notification. Weird system but that's how it works!
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Natalia Stone
•That "no news is good news" thing is so stressful though! Like, can they not send a simple "yep we got it, you're good" email in 2025?? The government is so behind on technology.
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