Reasonable Salary
“I pay my personal health insurance premiums directly through my S-Corp, are those premium payments included in my reasonable salary calculation?”
For an S-Corp owner, the treatment of health insurance premiums can depend on how the payments are handled, how the compensation package is documented, and whether the amounts are reported on payroll or elsewhere in the company records. In many cases, those premiums are considered separately from reasonable salary, but the full picture often turns on the owner’s role in the business, the consistency of payroll practices, and whether the company is paying a personal expense on the shareholder’s behalf. The bookkeeping detail and payroll setup usually matter as much as the premium payment itself. A short conversation with a CPA can sort out what applies to your specific numbers.
In your 30-minute session, the KGOB advisor handling it will:
- Read your exact situation and tell you, in plain English, what’s actually going on.
- Lay out your options and the trade-offs — no jargon, no judgment.
- Give you a clear next step you can act on, whether that’s with us or on your own.
This page is a prompt to start a conversation, not tax or legal advice, and states no tax-law specifics as fact. A consult session does not by itself create an ongoing engagement. We do not promise specific outcomes or savings. Kohari Gonzalez Oneyear & Brown PLLC — Charlotte, NC.
Back to the full library