Will Medicare send me a 1099 for premiums paid if I don't qualify for Social Security benefits?

Medicare doesn't issue 1099s for premiums paid. You need to keep your own records of what you paid through bank statements or Medicare payment receipts. If you're itemizing deductions and your medical expenses exceed 7.5% of your AGI, you can include your Medicare premiums as part of your medical expenses on Schedule A.

your supposed to save the recipts when u pay!!! i learned this the hard way last yr when my accountant asked for proof of payment. check ur email for confirmations maybe?

You can log into your MyMedicare.gov account and under "Claims & Appeals" there should be a section showing your premium payment history. Print this for your records. While they don't issue a 1099, these Medicare premiums are considered qualified medical expenses for tax purposes. Also, make sure you're tracking all your medical costs - they're only deductible when they exceed 7.5% of your adjusted gross income when itemizing.

THE IRS DOESNT CARE ABOUT US SENIORS!!!! I've been fighting with them for YEARS about medical deductions. They make everything IMPOSSIBLE on purpose!!! Why should WE have to track everything when THEY could just send proper forms?? The whole system is RIGGED against retirees!!!!

I had this EXACT question when I started Medicare at 65 even though I'm waiting until 67 for my SS benefits to start. My accountant told me to just keep my own records of the payments and Medicare premium notices. No 1099 will come for premiums. But you should get a 1099-SSA if you received any Social Security payments during the year.

I went through this last year and spent HOURS trying to reach someone at Medicare to get documentation of my payments. After getting disconnected multiple times, I discovered Claimyr (claimyr.com) which got me through to a Medicare rep in under 5 minutes. There's a video showing how it works: https://youtu.be/Z-BRbJw3puU. The rep confirmed they don't issue 1099s for premiums but suggested I print my Medicare MSNs (Medicare Summary Notices) which show premium payments. Saved me so much frustration!

I've been dealing with this for three years now. My husband gets SS but I don't qualify yet so I pay Medicare separately. For tax purposes I just save the Medicare premium bills and my bank statements showing payment. My tax guy said that's enough documentation if I ever get audited.

One more thing to be aware of - if you're paying quarterly premiums directly, make sure to track any premium increases throughout the year for accurate tax records. Medicare premiums often change in January, so your Q1 payment might be different from your Q4 payment. This matters for calculating your total medical expenses deduction correctly.

Just wanted to add that if you're paying Medicare premiums by check, your cancelled checks from your bank are excellent documentation for tax purposes. I've been doing this for 2 years now and my tax preparer accepts them without any issues. Also, if you set up automatic payments from your bank account, most banks will let you download annual summaries showing all payments to Medicare - this can be really helpful for keeping organized records. The key is just being consistent about saving whatever payment method records you have throughout the year.