Health Insurance Premium Fairness Act of 2025

This bill changes how the government calculates health insurance tax credits under the Affordable Care Act. It allows households with Medicare coverage to subtract Medicare premiums paid by family members (including Parts A, B, C, D, and supplemental policies) from the tax credit amount they receive. This affects people who qualify for premium tax credits and have household members enrolled in Medicare. The adjustment reduces the credit amount but cannot make it negative, and applies to coverage months starting after December 2025.