Medicare开放注册至12月7日：CMS预计2027年医保优势计划平均保费降至每月12美元
美国联邦医保与医疗服务中心（Centers for Medicare and Medicaid Services，CMS）在开放注册期开始前公布了2027年联邦医保预测：按参保人数加权计算，Medicare Advantage（医保优势）计划的平均月保费预计从2026年的14.37美元降至2027年的12.00美元，降幅16.5%。2027年度开放注册已于10月15日开始、12月7日截止，期间作出的变更自2027年1月1日起生效。
CMS于9月28日发布的预测显示，医保优势计划内含的处方药保障（Part D）保费在扣除返款后，预计从每月11.32美元降至7.00美元，降幅38%；与传统联邦医保搭配的独立处方药计划平均月保费则从35.09美元微升至36.00美元，升幅不到1美元。CMS表示，处方药市场整体价格保持稳定；93%非低收入受益人可以每月不到6美元的价格获得增强型处方药计划，88%的人可以10.30美元或更低价格获得基础型处方药计划。
计划供给方面，全国医保优势计划数量预计从2026年的5,553个微降至约5,532个；CMS预计2027年医保优势计划参保人数约3,400万，约占全部联邦医保受益人的47.4%，并指出历年预测往往低估实际参保人数。超过99%的受益人所在地区至少有一个医保优势计划可选，97%的人有10个以上选择；约八成医保优势计划成员在2027年可以留在现计划、保费持平或下降。听力、牙科、视力等补充福利预计整体保持稳定。
CMS局长梅赫梅特·奥兹（Mehmet Oz）表示，该机构致力于让依赖医保优势与处方药计划的数百万受益人能够负担得起并获得高质量的护理选择。CMS同时提醒，上述数字是全国平均预测，个人实际保费、自付额、药品目录与医疗网络因所在县和所选计划而异；受益人应查阅计划寄发的年度变更通知（Annual Notice of Change），并可在Medicare.gov的计划比较工具上比较本地计划，或拨打1-800-MEDICARE咨询。现计划仍符合需求的受益人无需任何操作，保障自动延续。
来源：GSM·美国
关联：联邦医保局公布2027年医保优势与D部分星级评定：约37%的医保优势处方药计划获四星以上
Medicare Open Enrollment Runs to Dec. 7: CMS Projects Average Medicare Advantage Premium to Fall to $12 a Month in 2027
The Centers for Medicare and Medicaid Services (CMS) has projected that the enrollment-weighted average monthly premium for Medicare Advantage plans will fall from $14.37 in 2026 to $12.00 in 2027, a decline of 16.5 percent. The projection was released ahead of the annual open enrollment period, which opened on October 15 and runs through December 7, 2026; changes made during the window take effect on January 1, 2027.
In its September 28 outlook, CMS said the average premium for the prescription drug coverage built into Medicare Advantage plans, after rebates, is projected to drop from $11.32 to $7.00 a month, down 38 percent. The average premium for stand-alone Part D drug plans paired with Original Medicare is projected to edge up by less than a dollar, from $35.09 to $36.00. CMS said there is broad pricing stability across the Part D market: 93 percent of non-low-income beneficiaries will be able to get an enhanced Part D plan for less than $6 a month, and 88 percent will have access to a basic plan for $10.30 or less.
The number of Medicare Advantage plans offered nationally is expected to ease from 5,553 in 2026 to about 5,532 in 2027, while projected enrollment holds at about 34 million people, roughly 47.4 percent of everyone on Medicare; CMS noted that plan projections have historically underestimated actual enrollment. More than 99 percent of beneficiaries will have access to at least one Medicare Advantage plan, 97 percent will have 10 or more choices, and about eight in 10 Medicare Advantage members will be able to stay in their current plan at the same or a lower premium. Supplemental benefits such as hearing, dental and vision are expected to remain broadly stable.
CMS Administrator Mehmet Oz said the agency is working to keep high-quality care options affordable and accessible for the millions of beneficiaries who rely on Medicare Advantage and Part D plans. CMS cautioned that the figures are national average projections, and that an individual's premium, deductible, drug list and provider network vary by county and plan. Beneficiaries are advised to review the Annual Notice of Change mailed by their plan, compare local plans with the Plan Compare tool at Medicare.gov, or call 1-800-MEDICARE. Those whose current plan still meets their needs do not need to take any action; their coverage continues automatically.
Source: GSM · USA
来源：GSM·美国（原文链接）
图片来源：美国卫生与公众服务部总部（华盛顿），联邦医保与医疗服务中心隶属该部。（图：G. Edward Johnson／Wikimedia Commons，CC BY 4.0）|Headquarters of the U.S. Department of Health and Human Services in Washington, which oversees CMS. (Photo: G. Edward Johnson / Wikimedia Commons, CC BY 4.0)
