The Health Insurance Premium Fairness Act of 2025 would allow people to reduce their health insurance tax credits by the amount of Medicare premiums they pay for themselves or their household members. Currently, when calculating how much federal help someone receives toward their private health insurance costs through tax credits, Medicare premiums are not factored in. This bill would change that by letting eligible taxpayers subtract Medicare premiums—including costs for Parts A, B, C, and D coverage plus supplemental Medigap policies—from what they owe for marketplace insurance premiums. The measure would primarily affect people who are receiving Affordable Care Act health insurance subsidies and also have household members enrolled in Medicare. The changes would take effect for coverage beginning January 1, 2026.
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