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I have higher-than-ordinary medical expenses, and I figured some experts here could help me figure out how to pay as many of them as possible from pretax dollars. My husband is a W-2 employee in a pretty high (28%) tax bracket, I have no earned income at this time. We're in a state with high income taxes as well (8.5% marginal), so every deduction counts!

Here are my questions, o wise ones:

* My husband's employer offers a flexible spending account, which we do use to our best advantage. They have a maximum amount that you may set aside -- it's a little less than 2% of DH's salary. Is limiting this contribution standard/allowed?

* Does that flexible spending 2% count towards the 7.5% floor for deductions on the tax return, or do you need to hit the 7.5% floor separately? (Hmm, if it's the former, can I file an amended return for 1999 and get my extra moolah back?)

* What is the mileage rate for medical mileage now? I see specialists with 300 and 550 mile round-trips. With the latter, would overnight accommodations reasonably be covered?


Mostly, I wish I could put more in flexible spending -- I think hitting the 7.5% floor would be pretty insane... Without that %%^& maximum we could have saved $2K more in taxes this year.

-- Laura
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