路易斯安那州保险局长提醒：2027年医保开放注册已开始，12月15日前选定保障元旦生效
路易斯安那州保险部11月4日发布提醒：2027年度健康保险开放注册已于11月1日开始，该州居民可通过健康保险市场注册新计划或更换现有保障。时间节点决定保障何时生效：在12月15日之前选定计划，保障自2027年1月1日起生效；在12月16日至2027年1月15日最终截止日之间注册的，保障自2月1日起生效。
州保险局长 Tim Temple 表示：「找到合适的健康保险计划，始于了解自己的选项、就保障作出知情决定。花些时间比较各个选项，确保所选计划符合自己的医疗需求。」保险部提醒，计划与保费每年都会变化，今年联邦层面的重大调整已带来保费上涨与计划供给变化，居民应仔细核对所在地区可选的计划，确认计划网络包含自己常用的医生。持牌健康保险代理人可协助居民理解选项、答疑，并判断是否符合保费税收抵免资格。
在路易斯安那州提供2027年个人市场计划的保险公司共有五家：Ambetter Health of Louisiana、AmeriHealth Caritas Louisiana、CHRISTUS Health Plan、Louisiana Blue 与 UnitedHealthcare Insurance Company。
保险部同时提醒：若在1月15日最终截止日前未选定保障，除非此后发生符合条件的重大生活事件、取得特殊注册期资格，否则将无法再购买个人市场医保计划。
（来源：路易斯安那州保险部）
Louisiana Insurance Commissioner Reminds Residents: 2027 Health Coverage Open Enrollment Is Under Way, Enroll by December 15 for January 1 Coverage
The Louisiana Department of Insurance reminded residents on November 4 that open enrollment for 2027 health insurance coverage began on November 1, giving Louisianans the opportunity to enroll in or change coverage through the Health Insurance Marketplace. Timing decides when coverage starts: enroll in a plan by December 15 and coverage begins January 1, 2027; enroll by the final deadline of January 15 and coverage begins February 1, 2027.
"Finding the right health insurance plan begins with understanding your options and making informed decisions about your coverage," Insurance Commissioner Tim Temple said. "Take time to explore your options and ensure you choose a plan that fits your health care needs." The department noted that plans and premiums change every year, and that this year has brought significant federal changes resulting in premium increases and alterations to plan offerings, so residents should review the options in their area and make sure a plan includes their doctors. A licensed health insurance agent can help residents understand their options, answer questions and determine whether they qualify for a premium tax credit.
Five health insurers are offering individual marketplace plans in Louisiana for 2027: Ambetter Health of Louisiana, AmeriHealth Caritas Louisiana, CHRISTUS Health Plan, Louisiana Blue, and UnitedHealthcare Insurance Company.
The department also reminded residents that if they do not elect coverage by January 15, they will be unable to get an individual marketplace plan unless they qualify for a special enrollment period due to a qualifying life event.
(Source: Louisiana Department of Insurance)
来源：路易斯安那州保险部
发布：GSM·美国（发布链接）
图片来源：图：路易斯安那州议会大厦，位于州府 Baton Rouge。Richard Rutter 摄，CC BY-SA 2.0，经 Wikimedia Commons。 / Photo: The Louisiana State Capitol in Baton Rouge. By Richard Rutter, CC BY-SA 2.0, via Wikimedia Commons.
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