联邦医保年度开放注册开启：10月15日至12月7日可更换计划 新计划2027年1月1日生效
联邦医保（Medicare）2027年度开放注册期已于10月15日开启，将持续至12月7日。在此期间，参保人可以审视并更换自己的 Medicare Advantage（优势计划）与 Part D 处方药计划，任何变更都将于2027年1月1日生效；以12月7日前最后一次提交的选择为准。
由于各计划每年都会调整保费、药品目录、医疗网络与福利内容，去年合适的计划今年未必仍然合适。联邦医疗保险与医疗补助服务中心（CMS）的指引指出，参保人应逐项核对常用药物是否在目录内、常用医生是否仍在网络内，以及全年自付上限的变化。
据 CMS 公布的2027年最终规则，今年的计划评比也有调整：星级评分取消了11项质量指标，并恢复了原奖励系数安排；同时，医生退出计划网络等变动可触发特殊注册期，让受影响参保人在开放期之外也有机会更换计划。
开放注册期是每年唯一可以主动更换这两类计划的常规窗口，错过窗口的参保人通常要等到下一年度，或符合特殊情形时才能调整。
Medicare Annual Enrollment Runs October 15 to December 7; Changes Take Effect January 1, 2027
Medicare's Annual Enrollment Period for 2027 coverage opened on October 15 and runs through December 7. During the window, beneficiaries can review and change their Medicare Advantage and Part D prescription drug coverage; any change takes effect on January 1, 2027, and only the last choice submitted by December 7 counts.
Because plans revise their premiums, drug formularies, provider networks and benefits every year, a plan that fit last year may not fit this year. Guidance from the Centers for Medicare & Medicaid Services (CMS) advises beneficiaries to check whether their regular prescriptions remain covered, whether their doctors are still in network, and how annual out-of-pocket limits have changed.
Under CMS's 2027 final rule for Medicare Advantage and Part D, the Star Ratings system dropped eleven quality measures and restored a general reward factor, and a provider's departure from a plan network can now trigger a special enrollment period, giving affected beneficiaries a chance to switch outside the annual window.
The fall enrollment period is the one regular window each year to change these plans; those who miss it generally must wait for the next cycle or qualify for a special enrollment period.
发布：GSM·美国（发布链接）
图片来源：联邦医保卡样本。图：medicare.gov／Wikimedia Commons，公共领域。Sample U.S. Medicare card. Source: medicare.gov / Wikimedia Commons, public domain.
GSM Global · 本篇英文版 English edition of this story
