Holmium: yttrium-aluminum-garnet (Ho:YAG) laser lithotripsy has been considered the gold standard for treating urinary stones, a disease with increasing prevalence in the US in recent years. While various efforts have been made to enhance the stone ablation efficiency of Ho:YAG laser, these have primarily focused on adjusting laser source settings such as pulse energy and frequency. In this study, we introduced a novel strategy to improve the ablation efficiency of the Ho:YAG laser by incorporating nanoparticles into the fluid surrounding the stone with strong near-infrared light absorption. Experimental results of stone damage revealed an 82% increase in photothermal ablation efficiency when using a "dusting" mode of laser lithotripsy in 0.03 wt.% PEDOT:PSS solution in direct contact. The enhanced NIR absorbance of the fluid was found to promote vapor tunnel formation, facilitating increased laser energy transmission to the stone surface, and to enhance stone absorbance due to trapped fluid inside, leading to greater laser energy absorption for photothermal ablation. Furthermore, cytotoxicity tests on PEDOT:PSS solution demonstrated minimal toxicity when carefully controlling concentration and application duration. This modification of fluid absorbance for efficiency improvement presents a versatile approach compatible with previously reported laser setting modulation methods, showcasing significant potential for enhancing Ho:YAG laser lithotripsy.