Can you deduct health insurance premiums from child support?

When determining child support obligations in New York, courts allow a credit for a parent who pays for a child’s health insurance. This deduction can significantly reduce the total support amount owed. Understanding how these deductions apply can help you better manage your financial responsibilities.

What counts as deductible insurance costs?

Only premiums specifically allocated to cover your child qualify for deduction. This can include employer-sponsored health plans or privately purchased coverage. Premiums that apply solely to your own health care are not eligible—only the portion that directly benefits the child is considered.

How does the credit affect your payments?

New York uses a shared-income model to calculate support. The court starts by assessing the gross income of both parents to determine a base child support amount. From this total, the court subtracts the cost paid by one parent for the child’s health insurance. For instance, if you pay $200 per month in premiums specifically for your child, that amount may reduce your calculated support obligation by the same figure.

What if both parents contribute to insurance?

In situations where both parents pay health insurance premiums for the child, the court evaluates the difference in contributions. The parent who contributes more will typically receive a proportional credit. For example, if one parent pays $150 and the other pays $100 monthly, the parent paying more is credited accordingly in the support calculation.

Do you need proof?

Documentation is necessary to receive credit. Acceptable forms include insurance cards, employer pay stubs, or billing statements. These must clearly demonstrate the cost and indicate that the child is covered. Present this evidence during court proceedings or mediation to support your claim.

What happens with changes in premiums?

Health insurance premiums may fluctuate due to changes in employment or policy terms. New York courts permit post-judgment modifications to adjust support amounts. If your premiums increase significantly, you can petition for a revised support order—just ensure you provide updated documentation.

Maintaining accurate records of all payments and policy details will help you stay prepared. Inform the other parent promptly about any premium changes. If needed, initiate a formal request to modify the support arrangement through the court system. This proactive approach can lead to long-term savings.