... deductible tax可扣除税款 non-deductible contributions不能扣除的捐款... deductible coverage应扣除保险额...
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In other words, only the part of the distribution that represents non-deductible contributions (your cost basis) is tax-free.
FORBES: Avoiding Too Much Tax On Your Distributions
The distributions will consist of non-deductible contributions (the cost basis) and deductible contributions, earnings, and gains (if there are any).
If it turns out that there are non-deductible contributions in any of your Traditional IRAs, you have a cost basis in those funds.
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