Charles, you beat me to the punch! I believe this mirrors your comment.I spoke to a tax professional about this.
He suggests paying $45,000 medical expenses and getting back tax "credit" $35000 is impossible. It is likely that Cowboy meant a $35,000 tax "deduction?”
The IRS allows a medical deduction of your medical expense in excess of 7.5% of your adjusted gross income. If your adjusted gross income is $100,000, you can deduct $37,500 (=$45,000 - 7.5% of $100,000.) And the amount of tax saving ( = medical subsidy from Uncle Sam) depends on your tax bracket. If you are in the 28% tax bracket, you will receive tax saving of $10,500 (=$37,500 tax deduction * 28%).
So out of your total $45,000 medical expenses, $10,500 comes out of Uncle Sam's pocket and your net cost is $34,500.
Gotta run…
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