Paying & Deducting
HSA and FSA records, the medical expense deduction, payment plans, and what a medical bill can and cannot do to your credit report.
- Paying & Deducting Medical Debt on Credit Report 2026: What Still Applies A federal court threw out the CFPB medical debt rule in 2025, but the vacated text is still printed in the CFR. What actually keeps a bill off your report.
- Paying & Deducting Medical Expense Deduction: The 7.5% AGI Floor Explained A denied claim you paid yourself is deductible medical care. But only above 7.5% of AGI, only if you itemize, and only in the year the money actually left.
- Paying & Deducting HSA Reimbursement After a Denied Claim Reimburse yourself now and win the appeal later, and you have a double payment to unwind. There is no deadline on HSA reimbursement — that is the play.