2027年联邦医疗保险优势计划平均月保费降至12美元：开放注册12月7日截止
联邦医疗保险与医疗补助服务中心（CMS）公布2027年度联邦医疗保险（Medicare）保费数据：优势计划（Medicare Advantage）的加权平均月保费将从14.37美元降至12.00美元，降幅16.5%，是近年来最大的一次年度下调。
细分来看，包含处方药计划的优势计划中，Part D部分保费将从每月11.32美元降至7美元，降幅38%；独立Part D处方药计划的平均月保费从35.09美元小幅升至36美元，涨幅不到1美元。CMS同时宣布，Part D保费稳定示范项目将于2026年结束后退出。2027年Part D年度免赔额标准为700美元，受益人全年的处方药自付费用上限为2400美元。
2027年度计划的开放注册期为2026年10月15日至12月7日，期间作出的变更将于2027年1月1日生效。CMS提醒，开放注册截止日期临近，受益人应抓紧时间比较本地各计划的保费、自付额与合作药房网络，再决定保留还是更换计划。（来源：联邦医疗保险与医疗补助服务中心）
Average Medicare Advantage Premium Falls to $12 a Month for 2027; Open Enrollment Ends December 7
The Centers for Medicare & Medicaid Services (CMS) has released Medicare premium figures for 2027: the weighted average monthly premium for Medicare Advantage plans will fall from $14.37 to $12.00, a 16.5% decrease and one of the largest annual drops in recent years.
In detail, the Part D portion of premiums for Medicare Advantage plans that include drug coverage will drop from $11.32 to $7 a month, a 38% decrease, while the average premium for stand-alone Part D drug plans edges up from $35.09 to $36, an increase of less than a dollar. CMS also announced that the Part D Premium Stabilization Demonstration will end after 2026. For 2027, the standard Part D deductible is $700 and the annual cap on beneficiaries' out-of-pocket drug spending is $2,400.
Open enrollment for 2027 plans runs from October 15 to December 7, 2026, with changes taking effect on January 1, 2027. With the deadline approaching, CMS urges beneficiaries to compare premiums, deductibles and pharmacy networks among local plans before deciding whether to stay or switch. (Source: Centers for Medicare & Medicaid Services)
来源：联邦医疗保险与医疗补助服务中心
发布：GSM·美国（发布链接）
图片来源：图片来源：新版联邦医疗保险卡样本（Chris.sherlock2 摄，Wikimedia Commons，CC BY-SA 4.0） / Image: Sample of the current Medicare card, by Chris.sherlock2, Wikimedia Commons (CC BY-SA 4.0)
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