2026 qualified LTC premium limits
2026 Long-Term Care Premium Deduction Calculator
Check age-based qualified long-term care insurance premium limits, medical expense threshold exposure, and the self-employed profit cap.
$6,820
$780 of entered premiums sit above the 2026 age-based limits.
Premium inputs
Deduction context
Per-person 2026 limit check
| Person | Age | Premium | 2026 limit | Includible |
|---|---|---|---|---|
| Taxpayer | 58 | $2,400 | $1,860 | $1,860 |
| Spouse | 62 | $5,200 | $4,960 | $4,960 |
| Dependent | 0 | $0 | $0 | $0 |
Total medical after reimbursements
$10,020
$10,420 before reimbursements.
Schedule A medical estimate
$1,395
$8,625 is the 7.5% AGI floor.
Self-employed LTC cap signal
$6,820
Limited here by includible LTC premiums and entered net profit.
2026 age-based premium limits
40 or younger
$500
41 to 50
$930
51 to 60
$1,860
61 to 70
$4,960
71 or older
$6,200
This page estimates the premium amount that can be treated as medical care under the 2026 age limits. It does not prepare Form 1040, Schedule A, Form 7206, state tax adjustments, or policy qualification determinations.