联邦医保中心公布2027年医保市集计划与价格：逾75%投保人可选月保费50美元以下计划，11月1日开放登记
美国联邦医疗保险与医疗补助服务中心（CMS）10月30日发布2027计划年医保市集计划与价格情况说明：通过 HealthCare.gov 选购2027年医保的开放登记期为2026年11月1日至2027年1月15日。
据该中心数据，2027年，逾75%通过 HealthCare.gov 购买保险的美国人仍可买到月保费不超过50美元的计划；有资格获得税收抵免的数百万投保人，可选到最低价计划中近90%的保费由联邦政府承担的计划，这一比例在2020年为85%（2020年是未受新冠疫情临时政策影响的最后一个年份）。
该中心表示，得益于「工薪家庭减税」立法中健康储蓄账户（HSA）资格的历史性扩大，所有通过 HealthCare.gov 购保的美国人都能选到符合 HSA 资格的计划；2027年，符合条件的登记者平均可选35个 HSA 资格计划，较改革前增加逾1,000%。
选择面方面，2027年使用 HealthCare.gov 的家庭平均可选100个不同计划、出自五到六家保险公司。低成本的灾难险（catastrophic plans）提供免共付额的预防保健服务与既存病症保障，最低价灾难险的平均保费比其他等级中次低价计划便宜近10%。
关联：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
CMS Releases 2027 Marketplace Plans and Prices: Over 75% of HealthCare.gov Shoppers Can Find Plans at $50 a Month or Less
The Centers for Medicare & Medicaid Services (CMS) on October 30 released its Plan Year 2027 Marketplace plans and prices fact sheet. The Open Enrollment Period to choose HealthCare.gov coverage for 2027 begins on November 1, 2026, and runs through January 15, 2027.
According to CMS, more than 75% of Americans who purchase coverage through HealthCare.gov will continue to have access to premiums at or below $50 in 2027. The millions of Americans eligible for tax credits will have access to a plan with nearly 90% of the lowest-cost premium paid for by the federal government, compared to 85% in 2020, the last year not impacted by temporary COVID-19 policies.
Building off the health savings account (HSA) eligibility expansion in the Working Families Tax Cuts, CMS said every American purchasing healthcare through HealthCare.gov has access to HSA-eligible plans, and that in 2027 eligible enrollees will have access to 35 different HSA-eligible plans on average, a more than 1,000% increase over the status quo before the expansion.
On choice, families using HealthCare.gov will have access to an average of 100 different plans and five to six different insurance companies in 2027. Catastrophic plans offer co-pay-free preventive care and protections for people with pre-existing conditions at lower costs, and the average premium of the lowest-cost catastrophic plan is nearly 10% cheaper than the next lowest-cost plan at other coverage levels, CMS said.
来源：GSM·美国（原文链接）
图片来源：图：联邦医疗保险与医疗补助服务中心总部大楼（马里兰州伍德朗）外景雕塑。Carol M. Highsmith 摄，公共领域，经 Wikimedia Commons。 / Exterior sculpture at the Centers for Medicare & Medicaid Services headquarters building in Woodlawn, Maryland. Photo by Carol M. Highsmith, public domain, via Wikimedia Commons.
