HealthCare.gov 2027年医保开放登记11月1日开始：12月15日前登记可于1月1日生效，登记期至2027年1月15日
美国联邦医保市场 HealthCare.gov 公布的日期显示，2027年度健康保险开放登记将于2026年11月1日开始、2027年1月15日结束：在 HealthCare.gov 使用联邦平台的各州，居民可在登记期内新购、续保或更换市场医保计划，12月15日前完成登记并缴纳首期保费者，保障自2027年1月1日起生效。
错过12月15日并不等于失去整年机会：在12月16日至2027年1月15日之间登记的计划，保障自2027年2月1日起生效；1月15日登记期结束后，一般只能凭符合条件的人生事件（如失去原有保障、搬家、结婚、生育或收养子女）进入特殊登记期。联邦医疗保险与医疗补助服务中心（CMS）此前表示，本登记季的开放登记日期未作更改。低收入医疗补助（Medicaid）与儿童健康保险计划（CHIP）则全年接受申请，不受开放登记期限制。
各州自营医保市场的日期有所不同：加利福尼亚州、新泽西州、纽约州、罗得岛州与华盛顿特区的登记期延续至2027年1月31日，爱达荷州的登记期已于10月15日开始、12月15日结束。居民应以本州医保市场公布的日期为准，并在登记前更新家庭与收入信息、比较各计划的保费、医生网络与处方药覆盖。
HealthCare.gov Open Enrollment for 2027 Coverage Starts November 1: Enroll by December 15 for January 1 Coverage, Window Runs to January 15, 2027
Dates published by HealthCare.gov, the federal health insurance Marketplace, show that Open Enrollment for 2027 coverage runs from November 1, 2026, through January 15, 2027: in states that use the federal platform, residents can enroll in, renew or change Marketplace plans during the window, and those who enroll or change plans by December 15, 2026, and pay their first premium will have coverage starting January 1, 2027.
Missing December 15 does not end the chance for the year: plans picked between December 16 and January 15 start February 1, 2027, while after January 15 enrollment or plan changes generally require a Special Enrollment Period triggered by a qualifying life event such as losing other coverage, moving, getting married, or having or adopting a child. The Centers for Medicare & Medicaid Services (CMS) has said the open enrollment dates for this season have not changed. Medicaid and the Children's Health Insurance Program (CHIP) accept applications year-round, outside the open enrollment window.
States that run their own marketplaces set their own dates: California, New Jersey, New York, Rhode Island and Washington, D.C., run through January 31, 2027, while Idaho opened on October 15 and closes December 15. Residents should follow their own state's marketplace dates, and update household and income information and compare premiums, provider networks and prescription coverage before enrolling.
来源：GSM·美国（原文链接）
图片来源：医生在诊室与患者面谈（资料图）。Shixart1985 摄，CC BY 2.0，经 Wikimedia Commons。 / A doctor consulting with a patient in her office (file photo). Photo by Shixart1985, CC BY 2.0, via Wikimedia Commons.
