蒙大拿州医保开放注册期启动：州审计长提醒警惕「有限合伙」式计划
蒙大拿州审计长兼证券与保险专员 James Brown 11月2日在州府 Helena 发布提醒：通过《平价医疗法案》（ACA）市集购买2027年度医疗保险的开放注册期已于11月1日开始、至2027年1月15日结束，并提醒居民仔细审查市集之外的保险计划，特别是所谓的「有限合伙」计划。
开放注册期内，居民可申请、续保或更换下一年度的健康计划。12月15日前完成注册或更换计划者，保障最早可于2027年1月1日生效；2027年1月15日是全年注册或更换计划的最后期限，逾期只有符合特殊注册资格者才能办理。12月16日至1月15日之间注册或更换计划并缴清首期保费者，保障自2027年2月1日起生效。符合 ACA 要求的个人健康计划可通过持牌保险代理人或联邦医保市集官网办理。
Brown 同时提醒居民仔细审查 ACA 市集之外出售的健康保险。该机构已识别出一些自称「自筹资金」（self-funded）的计划，这类计划把消费者称作「有限合伙人」或「雇员」，以规避蒙大拿州的消费者保护法规。这类计划可能不符合 ACA 要求，也不提供全面医疗保障，尽管其营销方式可能给人相反的印象，投保人最终可能要自行承担未付的医疗账单。
Brown 表示：「如果一笔交易好得不像真的，那它多半就不是真的。如果一份健康保单保费和自付额都异常低，却承诺全面或无限保障，就应当心。」蒙大拿州消费者如在注册前有任何疑问或顾虑，可联系审计长办公室的保险消费者服务局（ICS），电话 800-332-6148 或 406-444-2524。
（来源：蒙大拿州证券与保险专员办公室）
Montana ACA Open Enrollment Opens: Auditor Brown Warns Shoppers to Review Limited Partner Plans Carefully
Montana State Auditor James Brown, who also serves as the state's Commissioner of Securities and Insurance, issued a reminder in Helena on November 2, 2026, that open enrollment for 2027 health coverage through the Affordable Care Act (ACA) Marketplace runs from November 1, 2026, to January 15, 2027, and urged Montanans to carefully review any coverage offered outside the Marketplace, including so-called limited partner plans.
The open enrollment period allows people to apply for, renew, or change health plans for the coming year. Coverage can begin as early as January 1, 2027, for those who enroll or change plans by December 15, 2026. January 15, 2027, is the last day to enroll or change plans for the year; after that date, consumers may only enroll or change Marketplace plans if they qualify for a Special Enrollment Period. Coverage starts February 1, 2027, for those who enroll or change plans between December 16, 2026, and January 15, 2027, and pay their first premium. Individual health plans that comply with the ACA are available through a licensed insurance agent or the federal HealthCare.gov marketplace.
Auditor Brown advised Montanans to carefully review any health insurance coverage offered outside the ACA Marketplace. His office has identified plans that claim they are self-funded and refer to consumers as limited partners or employees in order to avoid Montana consumer-protection regulations. These plans may not be compliant with the ACA and do not provide comprehensive medical coverage, although they may be marketed otherwise, leaving consumers with the possibility of being responsible for unpaid medical bills.
"If a deal looks too good to be true, it probably is. If a health insurance policy offers unusually low premiums and low deductibles yet promises full or unlimited coverage, be skeptical," Auditor Brown said. Montana consumers can contact the Insurance Consumer Service (ICS) Bureau at the Auditor's Office before enrolling in a plan if they have questions or concerns, at 800-332-6148 or 406-444-2524.
(Source: Montana Commissioner of Securities and Insurance)
来源：蒙大拿州证券与保险专员办公室
发布：GSM·美国（发布链接）
图片来源：图：位于 Helena 的蒙大拿州议会大厦。Kenneth J. Gill 摄，CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: The Montana State Capitol in Helena. Photo by Kenneth J. Gill, CC BY-SA 4.0, via Wikimedia Commons.
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