Dear MoneywebTax.co.za, I am married in community of property. My salary is in the minus 30% tax bracket while my wife’s is in the lowest tax bracket. I contribute to a medical aid scheme that has a 25% medical aid saving portion. My employer contributes to my medical contribution as part of my package. My average yearly medical expenses are about R12 000, from which I pay about R8 000 (private rates, medication not reimbursed by medical aid, etc.) Because the expenses not covered by my medical aid do not significantly exceed the threshold at which I can claim in my tax return, I don’t list these expenses. • Will it be better for us if I cancel my medical aid benefit from my employer (about R2 300 per month) and take out medical insurance under her name (her employer does not give medical aid benefits), and then deduct the full amount of medical expenses from her salary?