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Ha. You're right about IRA deductions with respect to healthcare.

But I knew that I saw IRA being added back somewhere! It turns out I was thinking of FAFSA. IRA deductions are added back for computing income for financial aid purposes.

Tax exempt interest is added back for both healthcare and FAFSA.

That's why tax programs and tax accountants are essential. It's difficult for people who don't do this for a living to remember all of this.



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