田纳西州2027年ACA健康保险开放登记11月1日开始：12月15日前办完才能1月1日生效，登记期至2027年1月15日
美国田纳西州戴维森县纳什维尔市消息：田纳西州商务与保险部（TDCI）10月29日提醒，通过联邦运营的健康保险市场（HealthCare.gov）购买或更换2027年个人健康保险的消费者，开放登记期为2026年11月1日（周日）至2027年1月15日（周五），该部提醒居民尽早开始比较和规划，以免错过期限。
关键日期有三个：11月1日登记开始，可投保、续保或更换计划；12月15日是让保障在2027年1月1日生效的最后办理日；2027年1月15日登记结束，此后办理的计划保障自2027年2月1日起生效。开放登记期结束后，消费者一般只有在发生符合条件的人生事件时才能再投保或更换计划。
田纳西州居民可在 HealthCare.gov 上按全州八个费率区查询符合《平价医疗法案》的个人与小团体产品，并计算可适用的税收抵免；也可拨打 1-800-318-2596 咨询登记事宜。受过培训的导航员（Navigators）可免费提供无偏向的登记建议。涉及费率的问题可联系该部消费者保险服务处，电话 (615) 741-2218。
该部提醒，选计划时不要只看保费，还要仔细核对自付额、共付额与费用分担，并向保险公司确认自己常用的医生与医院是否在该计划的网络内；投保人应直接向医疗服务提供方确认其网络状态。该部表示，其使用签约精算师对费率做全面审查，确保费率在精算上合理、不过高、不过低，也不存在不公平歧视；所有费率仍可能因联邦医疗保险和医疗补助服务中心的要求而调整。据田纳西州商务与保险部10月29日官方新闻稿与 NAIC NewsWire 10月30日汇编。
Tennessee ACA Open Enrollment for 2027 Coverage Runs Nov. 1 to Jan. 15: Enroll by Dec. 15 for Jan. 1 Coverage
In Nashville, Davidson County, Tennessee, the Tennessee Department of Commerce & Insurance (TDCI) reminded consumers on October 29 that Open Enrollment for 2027 individual health coverage on the Federally Facilitated Marketplace runs from Sunday, November 1, 2026, to Friday, January 15, 2027, and urged Tennesseans to begin reviewing and planning as early as possible to avoid missing deadlines.
Three dates matter: on November 1, enrollment opens and consumers can enroll in, renew or change Marketplace plans; December 15 is the last day to enroll or change plans for coverage starting January 1, 2027; and on January 15, 2027, Open Enrollment ends, with plans selected by then starting February 1, 2027. Once Open Enrollment closes, consumers can generally enroll only after a qualifying life event.
On HealthCare.gov, Tennesseans can search for ACA-compliant products on the individual and small-group markets for each of Tennessee's eight rating areas and calculate applicable tax credits, or call 1-800-318-2596. Trained Navigators provide free, unbiased enrollment advice. Questions about insurance rates can be directed to TDCI's Consumer Insurance Services division at (615) 741-2218.
TDCI reminded consumers to review premiums, deductibles, copays and cost-sharing, to ask carriers about their plans, and to check each carrier's networks for their preferred providers and hospitals, contacting providers directly to confirm in-network status. The Department said it conducts a full rate review using contracted actuaries to ensure rates are actuarially justified and neither excessive, inadequate nor unfairly discriminatory, and that all rates remain subject to change based on requirements from the Centers for Medicare & Medicaid Services. Source: TDCI news release of October 29, 2026, via NAIC NewsWire of October 30.
来源：GSM·美国（原文链接）
图片来源：图：美国田纳西州戴维森县纳什维尔市的田纳西州议会大厦。w_lemay 摄，CC BY-SA 2.0，经 Wikimedia Commons。 / The Tennessee State Capitol in Nashville, Davidson County, Tennessee. Photo by w_lemay, CC BY-SA 2.0, via Wikimedia Commons.
