Why isn't my premium that's deducted from my spouse's pay eligible for reimbursement?
Premiums deducted from someone's pay aren't eligible for reimbursement. Those premiums are considered part of another company's employee benefit, so that same premium can't be part of your company's benefit, too. Also, those premiums are generally deducted on a pre-tax basis, so they aren't eligible for this tax-free reimbursement to prevent double-dipping on taxes.
Why isn't my Ministry Share (Medi-share) coverage eligible for reimbursement?
Health Ministry share coverage is not considered insurance, although it does provide an exemption from the fee required by the Affordable Care Act (ACA) if you don't have insurance. The IRS considers donations paid for this type of coverage a charitable donation rather than a premium paid for health insurance.
Why can't I be reimbursed for my accident, critical illness, or indemnity policy?
These types of policies provide a lump sum to the policyholder when a claim is filed, instead of a payment to a service provider for specific services. IRS Publication 502 states that eligible policies must cover and pay for medical care directly. These polices aren't eligible because there is no definitive method to ensure the funds are being used for medical expenses.
Why can't I be reimbursed for my parent's insurance premium?
You can only be reimbursed for policies for you, your spouse, or your legal dependents. You can't be reimbursed for a parent's policy because the IRS doesn't consider you responsible for any portion of that premium.