北达科他州公布2027年医保费率 个人市场获批平均涨幅最高19%
据北达科他州保险与证券厅（North Dakota Insurance & Securities Department）10月12日在俾斯麦发布的消息，保险专员乔恩·戈德弗雷德（Jon Godfread）公布了2027年《平价医疗法案》（ACA）健康保险费率的审批结果，参加个人市场与小团体市场计划的北达科他州居民明年保费将上涨，该厅表示主要原因是医疗成本上升。
个人市场方面，获批的平均涨幅为：北达科他蓝十字蓝盾（Blue Cross Blue Shield of North Dakota）19.00%（申请时为21.40%），桑福德健康计划（Sanford Health Plan）7.03%，Medica健康计划13.27%（申请时为17.01%）。小团体市场方面，获批的平均涨幅为：联合健康保险公司（UnitedHealthcare）11.28%，北达科他蓝十字蓝盾9.50%，桑福德健康计划18.34%，Medica保险公司17.49%（申请时为18.96%）。州法要求保险公司向该厅提交包含费率的备案，专员有权批准或调整申请费率。戈德弗雷德表示，该厅审查了保险公司的财务状况、理赔成本、管理费用与利润率，并调低了其中数家申请的涨幅；他说，家庭和小企业对保费再次上涨感到不满是可以理解的，医院护理、医疗服务和处方药价格上涨推高了承保成本。
该厅表示，2027年ACA计划的开放登记期为11月1日至1月15日，12月15日前登记可使保障自1月1日起生效，居民可通过Healthcare.gov或持牌代理人查看和购买计划。Valley News Live对同一公布的报道给出的涨幅区间与州保险厅公布的表格一致。
North Dakota Announces 2027 Health Insurance Rates, With Approved Individual-Market Increases Averaging Up to 19%
North Dakota Insurance Commissioner Jon Godfread announced the approved premium rate changes for 2027 Affordable Care Act (ACA) plans on October 12 in Bismarck, according to the North Dakota Insurance & Securities Department. Residents enrolled in ACA individual and small-group plans will see higher rates in 2027, which the department attributed primarily to rising health care costs.
In the individual market, the approved average increases are 19.00% for Blue Cross Blue Shield of North Dakota, down from the 21.40% requested; 7.03% for Sanford Health Plan; and 13.27% for Medica Health Plan, down from the 17.01% requested. In the small-group market, the approved average increases are 11.28% for UnitedHealthcare Insurance Company, 9.50% for Blue Cross Blue Shield of North Dakota, 18.34% for Sanford Health Plan, and 17.49% for Medica Insurance Company, down from the 18.96% requested. State law requires insurers to submit rate filings to the department, and the commissioner may approve or adjust the requested rates. Godfread said the department reviewed insurers' financial condition, claims costs, administrative expenses and profit margins and reduced several of the requested increases for 2027, adding that families and small businesses are right to be frustrated by another increase and that higher hospital, medical service and prescription drug costs drive the cost of coverage.
Open enrollment for 2027 ACA plans runs from November 1 to January 15, and residents who enroll by December 15 will have coverage beginning January 1, the department said. Plans can be reviewed and purchased through Healthcare.gov or a licensed agent. Reporting by Valley News Live on the same announcement gave rate ranges consistent with the department's published table.
图片来源：北达科他州议会大厦，位于俾斯麦（资料图）。Farragutful 摄，CC BY-SA 4.0，维基共享资源
