密歇根州核准2027年医保费率：个人保单平均涨14.2%、逾80万人受影响
美国密歇根州保险与金融服务部（DIFS）10月28日公布2027年医疗保险费率最终核准结果：个人保单平均上涨14.2%，小团体保单平均上涨9.6%，新费率2027年1月1日起生效，两个市场合计覆盖逾80万人。
个人市场目前覆盖400,322人。DIFS 把保险公司申请的个人市场平均涨幅从14.4%核减为14.2%，小团体按申请的9.6%核准；该部在审查18份费率申请期间共提出944项异议，没有一份申请被驳回。
各公司涨幅差别明显：UnitedHealthcare Community Plan 个人保单获准上涨25.2%、为全州最高，涉及64,495名参保人；Meridian Health Plan 获准涨24%；州内最大的 Blue Cross Blue Shield of Michigan 获准涨12.8%，其 HMO 机构 Blue Care Network 涨11.9%（113,640人），Priority Health 涨11.2%（138,048人）。小团体市场覆盖403,722人。
保险公司把涨价主要归因于医疗与处方药成本：预计2027年医疗服务与药品成本将上涨约10%。今年的涨幅已比上一年收窄——2026年个人与小团体费率曾分别获准上涨20.2%与11.1%。上述涨幅是扣除联邦税收抵免之前的保费变化，个人实际多付多少还取决于保单、年龄、居住地与抵免资格。
2027年度开放投保期11月1日开启、2027年1月15日结束；想让保障2027年1月1日生效，须在12月15日前完成投保，12月16日至1月15日间投保的保障2月1日起生效。DIFS 提醒消费者用 HealthCare.gov 的比价功能先看方案与补贴再决定，也可拨打 DIFS 电话 877-999-6442 咨询。
Michigan Approves 2027 Health Insurance Rates: Individual Premiums to Rise 14.2% on Average
The Michigan Department of Insurance and Financial Services (DIFS) released its final approved health insurance rates for 2027 on October 28: premiums will rise an average of 14.2 percent for individual policies and 9.6 percent for small-group plans, effective January 1, 2027, across markets that together cover more than 800,000 Michiganders.
The individual market currently covers 400,322 people. DIFS trimmed the insurers' requested individual-market average from 14.4 percent to the approved 14.2 percent, and approved the small-group average as requested at 9.6 percent. The department issued 944 objections while reviewing 18 rate filings; no filing was denied.
Increases vary widely by insurer. UnitedHealthcare Community Plan received the state's largest individual-market increase, 25.2 percent, covering 64,495 enrollees, followed by Meridian Health Plan at 24 percent. Blue Cross Blue Shield of Michigan, the state's largest insurer, was approved for 12.8 percent; its Blue Care Network HMO plans will rise 11.9 percent (113,640 enrollees) and Priority Health 11.2 percent (138,048 enrollees). The small-group market covers 403,722 people.
Insurers point mainly to the cost of care: medical care and prescription drug costs are expected to rise about 10 percent in 2027. This year's increases are smaller than last year's, when 2026 rates were approved at 20.2 percent for individual policies and 11.1 percent for small groups. The figures are premium changes before federal tax credits; what any household actually pays also depends on the plan, age, location and subsidy eligibility.
Open enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027. Consumers who want coverage to start January 1 must enroll by December 15; those enrolling between December 16 and January 15 will have coverage starting February 1. DIFS urges consumers to compare plans and subsidies with HealthCare.gov's window-shopping tool, and says its staff can be reached at 877-999-6442.
来源：GSM·美国（原文链接）
图片来源：图：位于 Lansing 的密歇根州议会大厦（资料图）。Brian Charles Watson 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / The Michigan State Capitol in Lansing (file photo). Photo by Brian Charles Watson, CC BY-SA 3.0, via Wikimedia Commons.
