Covered California开放注册11月1日开始：州补贴增至3亿美元，过半投保人明年保费不涨
加利福尼亚州医保市集 Covered California 于10月30日宣布，2027年度开放注册将于11月1日开始、持续至2027年1月31日，民众可在此期间新投保、续保或更换计划。为帮助低收入家庭应对联邦补贴缩减，州长纽森与州议会已把 Covered California 州补贴计划的资金从2026年的1.9亿美元增至2027年的3亿美元。
这是《平价医疗法案》实施以来的第14个开放注册期。目前有超过170万名加州人通过 Covered California 投保，全美通过各医保市集投保的人数超过1900万（据美国卫生与公众服务部规划与评估助理部长办公室数据）。2027年度，全州共有12家保险公司提供计划，其中一家为新加入。
扩大后的州补贴计划面向收入在联邦贫困线200%及以下的居民（个人为31,920美元、四口之家为66,000美元）。Covered California 预计，2027年将有超过50万名加州人获得州补贴，约占全部投保人的三成；其中近20万人可以选择两款保费为零的白银计划，另有20万人是今年新获得补贴资格，约9万人将因此免于退保。得益于联邦税收抵免与加州扩大的州补贴，55%的投保人明年保费不会上涨；72.5万名投保人每月保费在100美元或以下，其中35.8万人（占20%）保费为零。
背景是联邦加强型保费税收抵免已于去年到期、国会未予延续——加州人此前每年从联邦获得近25亿美元的这类补贴，州补贴只能弥补其中一部分。联邦政策变化还影响了部分合法居留移民通过市集获得补贴的资格，Covered California 表示，州政府已采取措施，帮助受影响居民了解自己的资格与选项。
加州大学洛杉矶分校卫生政策研究中心的 CalSIM 模型估计，目前仍有超过110万名加州人有资格获得补贴或免费的 Medi-Cal 却没有投保，其中46.1万人符合 Covered California 补贴资格、68.2万人符合 Medi-Cal 资格。
Covered California 执行主任 Jessica Altman 表示，在汽油、房租、食物等样样涨价的压力下，该机构持续与保险公司谈判，把价格维持在低于全国平均的水平；自2014年以来，Covered California 已帮助超过700万名加州人获得保障。首席医疗官 Monica Soni 提醒，所有通过 Covered California 售出的计划都包含十项基本健康福利，并提供癌症筛查、心理健康与孕产等预防性服务。
需要注意的是，想让保障覆盖2027年全年的居民，须在12月31日前选定计划。全州有1.6万名认证登记员提供免费、保密的多语种协助，99.6%的加州人离面对面帮助地点在15分钟车程以内；咨询电话为（800）300-1506。（来源：Covered California 2026年10月30日官方新闻稿）
Covered California Open Enrollment Begins Nov. 1: State Subsidies Rise to $300 Million, Most Enrollees See No Premium Increase
Covered California, the state's health insurance marketplace, announced on October 30 that open enrollment for 2027 coverage will run from November 1, 2026 through January 31, 2027, when Californians can sign up for, renew, or change health plans. To help lower-income families absorb the loss of enhanced federal subsidies, Governor Newsom and the state Legislature raised funding for the Covered California State Subsidy Program from $190 million in 2026 to $300 million in 2027.
This is the 14th open-enrollment period under the Affordable Care Act. More than 1.7 million Californians are currently enrolled through Covered California, and more than 19 million people nationwide hold marketplace coverage this year, according to the U.S. Department of Health and Human Services. Twelve health insurers will offer plans in California for 2027, including one new carrier.
The expanded state subsidy is aimed at residents earning up to 200% of the federal poverty level ($31,920 for an individual or $66,000 for a family of four). Covered California projects that more than 500,000 Californians, about 30% of all enrollees, will receive a state subsidy in 2027; nearly 200,000 will be able to choose from two Silver plans with a $0 premium, an additional 200,000 will newly qualify for financial help, and an estimated 90,000 people will be kept from dropping coverage. Thanks to federal tax credits and the expanded state program, 55% of enrollees will see no increase in their monthly premium; 725,000 enrollees pay $100 or less per month, including 358,000 (20%) who pay $0.
The backdrop is the expiration last year of the enhanced federal premium tax credits, which Congress did not extend; Californians had received nearly $2.5 billion a year from that federal help, and the state subsidy can replace only part of it. Federal policy changes also affect the eligibility of some lawfully present immigrants for marketplace financial assistance, and Covered California said the state has taken steps to help affected residents understand their eligibility and options.
The CalSIM model developed by UCLA's Center for Health Policy Research estimates that more than 1.1 million Californians who qualify for subsidies or no-cost Medi-Cal remain uninsured, including 461,000 eligible for Covered California subsidies and 682,000 eligible for Medi-Cal.
"At a time when people are feeling the pressure of rising prices on everything from gas and rent to food, we're working to make sure people have quality health insurance options they can afford," said Covered California Executive Director Jessica Altman, noting the marketplace has connected more than 7 million Californians to coverage since 2014. Chief Medical Officer Dr. Monica Soni said every plan sold through Covered California covers the 10 essential health benefits, including cancer screenings, mental health services, and maternity care.
Consumers who want coverage for all of 2027 must select a plan by December 31. Free, confidential enrollment help is available in multiple languages from 16,000 certified enrollers statewide; 99.6% of Californians live within 15 minutes of in-person help. The call center number is (800) 300-1506. (Source: Covered California news release, October 30, 2026)
来源：GSM·美国（原文链接）
图片来源：图：位于 Sacramento 的萨克拉门托市政厅（资料图）。Vahe Martirosyan 摄，CC BY-SA 2.0，经 Wikimedia Commons。 / Sacramento City Hall in Sacramento, California (file photo). Photo by Vahe Martirosyan, CC BY-SA 2.0, via Wikimedia Commons.
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