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How much is allowed for medical expenses in Chapter 13 plan?

Phoenix, AZ |

How much is a family of four (2 adults and 2 children) in bankruptcy allowed to deduct in medical expenses? Do these have to be actual expenses or are they allowed to deduct a certain amount regardles whether they incur such expenses?

Attorney Answers 3


The answer is "actual expenses on a case by case basis." This is directly from the Arizona Chapter 13 Trustees. I've included the document in a link.

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You may have been confused by the two entries of this expenses that you must complete.

The 1st time you enter this information is in Schedule J “Expenses”

The 2nd time you enter this information is in the Means Test, B 22-A. This itemization includes provision for standard deduction of approximately $60 per person, but allows additional cost above the base amount.

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If the expenses are much larger than standard IRS deductions or average for your district, then you may have to show the trustee why you're entitled to a large medical expense.

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