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What are some preventative measures and treatment options?","occupational-medicine","You can then choose to continue the exchange and get a complete and detailed answer.","is answering it accurately and carefully.","Loading questions...","Popular questions","Response Available","Unable to close the question. Please try again.","Connect your calendar to receive proactive alerts","Continue the discussion and access unlimited questions","We monitor your Google Calendar and alert you before it becomes urgent.","Your question is in good hands.","To be completed in the full guide","Your location could not be updated. Please check the postal code.","is answering it","Unable to process your question. 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The expert responds in minutes, typically in under 10 minutes.","Receive a clear, actionable, and tailored response to confidently move forward.","Getting Answers to Your Questions Has Never Been Easier",{"title":909,"askQuestion":605},"Meet our experts",{"retry":911,"terms":182,"title":912,"errors":913,"company":916,"loading":102,"getAnswer":917,"acceptTerms":918,"getUnlimited":444,"securePayment":919},"Retry","Secure payment of $3.00",{"title":209,"genericError":419,"paymentError":914,"initializationError":915},"An error occurred during payment","Error initializing payment","expert-zoom","Get the answer","I accept the","Secure payment of {amount}",{"delete":921,"deleteError":922,"deleteCancel":424,"deleteConfirm":921,"deleteDialogTitle":923,"deleteDialogDescription":924},"Delete","Deleting the collection failed. Please try again.","Delete this collection?","The information saved for this category will be deleted, and the collection will disappear from your profile. 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The expert in {city} was able to reassure me and guide me exactly toward what I needed.",{"title":952,"subtitle":953,"subtitleExpert":954,"titleWithExpert":955},"New Question","Ask your question, we will find the right expert!","Ask your question, and the answer will be sent to you.","New Question for {name}",{"to":957,"seconds":958,"responseTo":959,"expertReading":960,"estimatedResponseTime":961,"expertSentPartialResponse":962},"to","seconds","Response to","{firstName} {lastName} is reading your question","Estimated response time: between 5 and 10 minutes","{expertName} sent a partial response to",{"back":539,"title":540,"sending":541,"sendLink":964,"description":965,"notifications":966},"Send the link","A reset link will be sent to your email address",{"error":209,"emailSent":543,"emailError":832,"loginRequired":967,"emailSentDescription":545},"You must be logged in to reset your 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But as millions of fans check ESPN scores and place bets on sportsbook apps, a sweeping tax law change that took effect in 2026 has gone largely unnoticed — and it could dramatically affect how much bettors actually keep at the end of the season.\n\n## The NFL's $29.5 Billion Betting Season Is Already in Motion\n\nSports betting is now legal in 39 states and Washington D.C. as of September 2026, with 30 of those states offering fully licensed online sportsbook apps. Missouri became the most recent state to launch legal sports betting, while Wisconsin authorized online betting in April 2026, with tribal-run apps expected once compact negotiations conclude — meaning the map keeps expanding.\n\nThe AGA's $29.5 billion projection for the 2026 NFL season represents one of the most significant legal wagering figures in U.S. history, though growth has flattened compared to prior boom years. One emerging reason: prediction markets — unregulated platforms operating in legal gray zones — are siphoning activity away from licensed sportsbooks. But for the tens of millions who use regulated platforms like DraftKings, FanDuel, or BetMGM, a new federal tax rule means their financial exposure this season is greater than many realize.\n\n## A New Law Changed the Rules on Gambling Losses\n\nOn July 4, 2025, President Trump signed the One Big Beautiful Bill Act into law. Buried in its pages was a change that directly affects every sports bettor in the country: **starting in 2026, you can only deduct 90% of your gambling losses against your winnings.** Previously, if you itemized deductions, you could offset your full losses against your wins. Now, 10% of your net losses become permanently non-deductible.\n\nUnder existing IRS rules, all sports betting winnings are taxable as ordinary income — the same as your salary — at rates between 10% and 37% depending on your tax bracket. You must report gambling income on Form 1040, Schedule 1, even if your winnings were $20. Sportsbooks issue W-2G forms when net winnings from a single bet exceed $600, but the reporting obligation exists regardless. The [IRS guidance on gambling income and losses (Topic No. 419)](https:\u002F\u002Fwww.irs.gov\u002Ftaxtopics\u002Ftc419) confirms that all gambling winnings are fully taxable and must be reported.\n\nThe new 90% cap compounds a problem many casual bettors already had: they didn't realize they were supposed to track and report losses at all. Now, even if they do everything right, the government keeps a 10% share of the math, regardless of whether they finished the season ahead.\n\n## When ESPN Scores Look Great but Your Tax Bill Doesn't\n\nThis is where the numbers start to matter — and where many bettors find themselves in financial trouble without realizing it.\n\nMost recreational bettors approach the NFL season like a hobby: they follow their favorite teams, check ESPN scores after games, and place small to medium bets through an app. They may win on some weeks and lose on others, assuming the wins and losses roughly cancel out. What they don't account for is that the IRS views wins and losses asymmetrically — wins are always income, and losses can only reduce that income if you itemize deductions (not if you take the standard deduction) and now only at 90% of their value.\n\nThis creates a structural disadvantage for recreational bettors who are not tracking their activity with the same discipline as a professional. The tax liability can appear to come from nowhere — a $1,000 winning streak early in the season, followed by $900 in losses over the following weeks, leaves you with a net loss of $100 in your pocket but potentially hundreds of dollars in taxable income depending on your circumstances.\n\nA wealth management professional or tax advisor can help bettors understand how their gambling activity interacts with their overall financial picture — including their income bracket, whether they itemize deductions, and how to legally document losses to maximize the 90% offset.\n\n## What Happens If You Win $500 on Week 1 but Lose $800 by Week 8\n\nHere is the concrete financial scenario that illustrates why this matters:\n\nImagine a bettor — call them a 38-year-old teacher in Ohio who earns $65,000 a year and takes the standard deduction on their taxes. They win $500 across three bets during NFL Week 1, riding Seattle's victory and a strong Thursday night performance. Over the next seven weeks, they lose a cumulative $800 on other games. At the end of October, they've lost $300 net. They assume there's nothing to report.\n\nThis is wrong in two ways. First, since they take the standard deduction (which the vast majority of Americans do), they **cannot deduct any gambling losses at all** — the 90% rule is irrelevant to them because it only applies to those who itemize. Their $500 in winnings from Week 1 is fully taxable income. At Ohio's 3.99% state rate plus a 22% federal bracket, that's approximately $130 in combined tax on money they no longer have. Second, they didn't keep records of their losses, so they have no documentation even if they had itemized.\n\nNow apply the 90% rule to an itemizing bettor: the same $800 in losses can only offset $720 against winnings. That remaining $80 is permanently non-deductible. Over a full season of active betting, these figures scale. A bettor who wagers $20,000 over a season with $12,000 in wins and $11,500 in losses — a net loss of $500 — may still owe tax on the portion of wins they can't fully offset, depending on their bracket and filing status.\n\n**The if\u002Fthen for itemizing bettors:** If you lose more than $1,000 in gambling losses this NFL season AND you itemize deductions, you should log every bet — date, amount wagered, outcome, and platform — because you can only claim 90% of those losses. If you forget to document them, you lose even that partial offset.\n\nFor non-itemizers — the majority of American taxpayers — the math is straightforward and unforgiving: all wins are income, and no losses are deductible.\n\n## Eleven States Where Sports Betting Is Still Illegal — and Prediction Market Risk\n\nFor residents of Alabama, Alaska, California, Georgia, Hawaii, Idaho, Minnesota, Oklahoma, South Carolina, Texas, and Utah, legal sports betting remains unavailable through licensed platforms. Some residents in these states are turning to prediction markets — platforms that let users trade on event outcomes using financial instruments rather than traditional bets. These platforms operate under a different regulatory framework (typically overseen by the CFTC rather than state gaming commissions), but profits from prediction markets are equally taxable under federal law.\n\nThe legal and tax treatment of prediction market gains is still evolving, and the IRS has not issued definitive guidance on whether all prediction market winnings should be treated as gambling income or as capital gains — a distinction with significant tax implications. Consulting a tax attorney or financial advisor before using these platforms is advisable, particularly for high-volume traders.\n\n## What Smart Bettors Are Doing Before Week 2\n\nWith the NFL season just beginning, now is the ideal time — not tax season in April — to get your financial house in order around sports betting activity. The steps that make the most difference:\n\n**Track every wager from the start.** Most sportsbook apps have transaction history exports. Download yours after Week 1 and start a running spreadsheet. The IRS accepts sportsbook records as documentation.\n\n**Know your deduction status.** If you take the standard deduction ($14,600 for single filers in 2026, $29,200 for married filing jointly), you cannot deduct gambling losses at all. This is a hard rule, not a gray area.\n\n**Consider the tax cost in your bankroll math.** If you're in the 24% federal bracket, a $1,000 winning bet costs you approximately $240 in federal tax — which means you need to account for that in any strategy that treats betting as a side income stream.\n\n**Talk to a wealth advisor or tax professional.** The intersection of gambling income, investment income, bracket management, and the new 90% rule is genuinely complex for anyone with significant betting activity. A one-hour consultation with a financial expert can clarify your exposure and prevent a surprise bill in April 2027. For context on how these same tax principles applied to World Cup betting earlier this summer, see our breakdown of [France vs. Spain semifinal betting and tax implications](https:\u002F\u002Fexpert-zoom.com\u002Fus\u002Fnews\u002Ffrance-spain-2026-world-cup-betting-winnings-tax).\n\nExpertZoom connects you with licensed wealth management professionals and tax advisors who can review your financial situation — including how your NFL betting activity fits into your broader picture — without judgment.\n\n## The Bottom Line: The Scoreboard Isn't the Only Number That Matters\n\nAs ESPN updates Week 1 scores and Americans place bets on 32 teams across the opening weekend, the financial implications of the new 90% loss deduction cap are flying under the radar. The AGA projects $29.5 billion in legal NFL wagering this season — a number that, under 2026's tax rules, represents a substantial pool of taxable income that many bettors are not prepared for.\n\nUnderstanding the rules before the season is over is the difference between a manageable tax bill and an unexpected financial setback. The scoreboard tells you if your team won. A financial expert tells you what you actually walked away with.\n\n*YMYL Disclaimer: This article is for informational purposes only and does not constitute tax or financial advice. Tax laws vary by individual circumstances and state. Consult a qualified tax professional or financial advisor for guidance specific to your situation.*\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002Fb5aec2896ca5-a1fd7f.webp","NFL fans cheering at a football game stadium, Week 1 2026 season opener","{\"author\": \"U.S. Air Force photo by Staff Sgt. Jessica Avallone\", \"source\": \"wikimedia\", \"license\": \"Public domain\", \"pageUrl\": \"https:\u002F\u002Fcommons.wikimedia.org\u002Fwiki\u002FFile:Pathfinders_participate_in_2023_London_NFL_Game_(8069298).jpg\", \"attributionHtml\": \"Photo: U.S. Air Force photo by Staff Sgt. Jessica Avallone \u002F Wikimedia (Public domain)\"}","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Faudio\u002Fnews\u002Fcmtut8txt0obnti1alrqmi8xf-a1fec6.mp3","2026-09-10T00:50:15.519Z","PUBLISHED","us","en","167f344c-dabc-485b-b7cd-8c4efecaf70e","NFL Week 1 Bets: The New Tax Rule Bettors Miss | Expert Zoom","Americans will wager $29.5B on the 2026 NFL season. A new 2026 law caps gambling loss deductions at 90%. Here's what your sportsbook app won't tell you.","nfl week 1 2026 scores sports betting financial","espn nfl scores","US","b5aec2896ca5","9cc87197-5408-43dc-9de5-d740868a64f4",114,0,"NEUTRAL","URL is unknown to Google","2026-09-10T01:00:32.560Z",3.33,"needs_improvement",2.73,0.023,"good","2026-09-24T02:44:04.755Z","2026-09-10T00:50:04.047Z","2026-09-10T00:50:04.049Z","2026-09-28T16:23:43.956Z",{"id":48,"name":49,"slug":50,"parentId":7},{"id":1135,"first_name":1159,"name":1160,"slug":1161,"specialty":1162,"picture":1163,"region":1164},"Harper","Brooks","harper-brooks","Wealth Advisor","veronique",{"code":11,"country":1165},{"code":1140,"name":1166},"Etats-Unis","\u003Cp>NFL Week 1 2026 is officially underway, with the opening game between the defending champion Seattle Seahawks and the New England Patriots kicking off a season in which Americans are projected to legally wager \u003Cstrong>$29.5 billion\u003C\u002Fstrong>, according to the American Gaming Association (AGA). But as millions of fans check ESPN scores and place bets on sportsbook apps, a sweeping tax law change that took effect in 2026 has gone largely unnoticed — and it could dramatically affect how much bettors actually keep at the end of the season.\u003C\u002Fp>\n\u003Ch2 id=\"the-nfl-s-29-5-billion-betting-season-is-already-in-motion\">The NFL's $29.5 Billion Betting Season Is Already in Motion\u003C\u002Fh2>\n\u003Cp>Sports betting is now legal in 39 states and Washington D.C. as of September 2026, with 30 of those states offering fully licensed online sportsbook apps. Missouri became the most recent state to launch legal sports betting, while Wisconsin authorized online betting in April 2026, with tribal-run apps expected once compact negotiations conclude — meaning the map keeps expanding.\u003C\u002Fp>\n\u003Cp>The AGA's $29.5 billion projection for the 2026 NFL season represents one of the most significant legal wagering figures in U.S. history, though growth has flattened compared to prior boom years. One emerging reason: prediction markets — unregulated platforms operating in legal gray zones — are siphoning activity away from licensed sportsbooks. But for the tens of millions who use regulated platforms like DraftKings, FanDuel, or BetMGM, a new federal tax rule means their financial exposure this season is greater than many realize.\u003C\u002Fp>\n\u003Ch2 id=\"a-new-law-changed-the-rules-on-gambling-losses\">A New Law Changed the Rules on Gambling Losses\u003C\u002Fh2>\n\u003Cp>On July 4, 2025, President Trump signed the One Big Beautiful Bill Act into law. Buried in its pages was a change that directly affects every sports bettor in the country: \u003Cstrong>starting in 2026, you can only deduct 90% of your gambling losses against your winnings.\u003C\u002Fstrong> Previously, if you itemized deductions, you could offset your full losses against your wins. Now, 10% of your net losses become permanently non-deductible.\u003C\u002Fp>\n\u003Cp>Under existing IRS rules, all sports betting winnings are taxable as ordinary income — the same as your salary — at rates between 10% and 37% depending on your tax bracket. You must report gambling income on Form 1040, Schedule 1, even if your winnings were $20. Sportsbooks issue W-2G forms when net winnings from a single bet exceed $600, but the reporting obligation exists regardless. The \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ftaxtopics\u002Ftc419\">IRS guidance on gambling income and losses (Topic No. 419)\u003C\u002Fa> confirms that all gambling winnings are fully taxable and must be reported.\u003C\u002Fp>\n\u003Cp>The new 90% cap compounds a problem many casual bettors already had: they didn't realize they were supposed to track and report losses at all. Now, even if they do everything right, the government keeps a 10% share of the math, regardless of whether they finished the season ahead.\u003C\u002Fp>\n\u003Ch2 id=\"when-espn-scores-look-great-but-your-tax-bill-doesn-t\">When ESPN Scores Look Great but Your Tax Bill Doesn't\u003C\u002Fh2>\n\u003Cp>This is where the numbers start to matter — and where many bettors find themselves in financial trouble without realizing it.\u003C\u002Fp>\n\u003Cp>Most recreational bettors approach the NFL season like a hobby: they follow their favorite teams, check ESPN scores after games, and place small to medium bets through an app. They may win on some weeks and lose on others, assuming the wins and losses roughly cancel out. What they don't account for is that the IRS views wins and losses asymmetrically — wins are always income, and losses can only reduce that income if you itemize deductions (not if you take the standard deduction) and now only at 90% of their value.\u003C\u002Fp>\n\u003Cp>This creates a structural disadvantage for recreational bettors who are not tracking their activity with the same discipline as a professional. The tax liability can appear to come from nowhere — a $1,000 winning streak early in the season, followed by $900 in losses over the following weeks, leaves you with a net loss of $100 in your pocket but potentially hundreds of dollars in taxable income depending on your circumstances.\u003C\u002Fp>\n\u003Cp>A wealth management professional or tax advisor can help bettors understand how their gambling activity interacts with their overall financial picture — including their income bracket, whether they itemize deductions, and how to legally document losses to maximize the 90% offset.\u003C\u002Fp>\n\u003Ch2 id=\"what-happens-if-you-win-500-on-week-1-but-lose-800-by-week-8\">What Happens If You Win $500 on Week 1 but Lose $800 by Week 8\u003C\u002Fh2>\n\u003Cp>Here is the concrete financial scenario that illustrates why this matters:\u003C\u002Fp>\n\u003Cp>Imagine a bettor — call them a 38-year-old teacher in Ohio who earns $65,000 a year and takes the standard deduction on their taxes. They win $500 across three bets during NFL Week 1, riding Seattle's victory and a strong Thursday night performance. Over the next seven weeks, they lose a cumulative $800 on other games. At the end of October, they've lost $300 net. They assume there's nothing to report.\u003C\u002Fp>\n\u003Cp>This is wrong in two ways. First, since they take the standard deduction (which the vast majority of Americans do), they \u003Cstrong>cannot deduct any gambling losses at all\u003C\u002Fstrong> — the 90% rule is irrelevant to them because it only applies to those who itemize. Their $500 in winnings from Week 1 is fully taxable income. At Ohio's 3.99% state rate plus a 22% federal bracket, that's approximately $130 in combined tax on money they no longer have. Second, they didn't keep records of their losses, so they have no documentation even if they had itemized.\u003C\u002Fp>\n\u003Cp>Now apply the 90% rule to an itemizing bettor: the same $800 in losses can only offset $720 against winnings. That remaining $80 is permanently non-deductible. Over a full season of active betting, these figures scale. A bettor who wagers $20,000 over a season with $12,000 in wins and $11,500 in losses — a net loss of $500 — may still owe tax on the portion of wins they can't fully offset, depending on their bracket and filing status.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>The if\u002Fthen for itemizing bettors:\u003C\u002Fstrong> If you lose more than $1,000 in gambling losses this NFL season AND you itemize deductions, you should log every bet — date, amount wagered, outcome, and platform — because you can only claim 90% of those losses. If you forget to document them, you lose even that partial offset.\u003C\u002Fp>\n\u003Cp>For non-itemizers — the majority of American taxpayers — the math is straightforward and unforgiving: all wins are income, and no losses are deductible.\u003C\u002Fp>\n\u003Ch2 id=\"eleven-states-where-sports-betting-is-still-illegal-and-prediction-market-risk\">Eleven States Where Sports Betting Is Still Illegal — and Prediction Market Risk\u003C\u002Fh2>\n\u003Cp>For residents of Alabama, Alaska, California, Georgia, Hawaii, Idaho, Minnesota, Oklahoma, South Carolina, Texas, and Utah, legal sports betting remains unavailable through licensed platforms. Some residents in these states are turning to prediction markets — platforms that let users trade on event outcomes using financial instruments rather than traditional bets. These platforms operate under a different regulatory framework (typically overseen by the CFTC rather than state gaming commissions), but profits from prediction markets are equally taxable under federal law.\u003C\u002Fp>\n\u003Cp>The legal and tax treatment of prediction market gains is still evolving, and the IRS has not issued definitive guidance on whether all prediction market winnings should be treated as gambling income or as capital gains — a distinction with significant tax implications. Consulting a tax attorney or financial advisor before using these platforms is advisable, particularly for high-volume traders.\u003C\u002Fp>\n\u003Ch2 id=\"what-smart-bettors-are-doing-before-week-2\">What Smart Bettors Are Doing Before Week 2\u003C\u002Fh2>\n\u003Cp>With the NFL season just beginning, now is the ideal time — not tax season in April — to get your financial house in order around sports betting activity. The steps that make the most difference:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Track every wager from the start.\u003C\u002Fstrong> Most sportsbook apps have transaction history exports. Download yours after Week 1 and start a running spreadsheet. The IRS accepts sportsbook records as documentation.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Know your deduction status.\u003C\u002Fstrong> If you take the standard deduction ($14,600 for single filers in 2026, $29,200 for married filing jointly), you cannot deduct gambling losses at all. This is a hard rule, not a gray area.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Consider the tax cost in your bankroll math.\u003C\u002Fstrong> If you're in the 24% federal bracket, a $1,000 winning bet costs you approximately $240 in federal tax — which means you need to account for that in any strategy that treats betting as a side income stream.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Talk to a wealth advisor or tax professional.\u003C\u002Fstrong> The intersection of gambling income, investment income, bracket management, and the new 90% rule is genuinely complex for anyone with significant betting activity. A one-hour consultation with a financial expert can clarify your exposure and prevent a surprise bill in April 2027. For context on how these same tax principles applied to World Cup betting earlier this summer, see our breakdown of \u003Ca href=\"https:\u002F\u002Fexpert-zoom.com\u002Fus\u002Fnews\u002Ffrance-spain-2026-world-cup-betting-winnings-tax\">France vs. Spain semifinal betting and tax implications\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>ExpertZoom connects you with licensed wealth management professionals and tax advisors who can review your financial situation — including how your NFL betting activity fits into your broader picture — without judgment.\u003C\u002Fp>\n\u003Ch2 id=\"the-bottom-line-the-scoreboard-isn-t-the-only-number-that-matters\">The Bottom Line: The Scoreboard Isn't the Only Number That Matters\u003C\u002Fh2>\n\u003Cp>As ESPN updates Week 1 scores and Americans place bets on 32 teams across the opening weekend, the financial implications of the new 90% loss deduction cap are flying under the radar. The AGA projects $29.5 billion in legal NFL wagering this season — a number that, under 2026's tax rules, represents a substantial pool of taxable income that many bettors are not prepared for.\u003C\u002Fp>\n\u003Cp>Understanding the rules before the season is over is the difference between a manageable tax bill and an unexpected financial setback. The scoreboard tells you if your team won. A financial expert tells you what you actually walked away with.\u003C\u002Fp>\n\u003Cp>\u003Cem>YMYL Disclaimer: This article is for informational purposes only and does not constitute tax or financial advice. Tax laws vary by individual circumstances and state. Consult a qualified tax professional or financial advisor for guidance specific to your situation.\u003C\u002Fem>\u003C\u002Fp>\n",{},[]]