Will is exempt from the Medicare levy as he is in Defence and all of his medical care is taken care of by Defence - he is not covered by spouse's private health insurance.
The Spouse Chiara is not Medicare levy exempt which is why have the private health insurance.
Chiara's private health insurance commenced in December 2024 because prior to that they were posted in Europe for 3 years where all of their medical care was taken care of by the Department of Defence so their private health insurance was out on hold during the time and reactivated when they returned in December 2024.
For their 2025 tax returns, how to answer M1 & M2 questions? especially for M2 Medicare levy surcharge: 1. Taxpayer and dependants had private hospital insurance for the full year? & 2. number of days not liable for the surcharge.