蒙大拿州医保公开注册期至明年1月15日：州审计长提醒提防「有限合伙人」式计划
蒙大拿州居民为2027年挑选医保的时间窗口已经打开。该州证券与保险专员、州审计长 James Brown 11月2日在州府 Helena 发布提醒说，《平价医疗法案》（ACA）市场公开注册期为2026年11月1日至2027年1月15日，居民在此期间可以申请、续保或更换下一年度的健康计划。
时间上有两个节点要记清：12月15日前登记或换计划，保障可从2027年1月1日起生效；12月16日至1月15日之间登记或换计划并缴首期保费的，保障从2027年2月1日起生效。1月15日之后，除非符合特殊注册期条件，否则不能再登记或更换市场计划。登记入口是联邦医保平台 HealthCare.gov，也可以找持牌保险经纪人办理。
Brown 同时提醒居民小心市场之外的计划。该机构发现，有些计划自称「自筹资金」，把消费者称作「有限合伙人」或「雇员」，借此绕开蒙大拿州的消费者保护规定。这类计划可能不符合 ACA 要求、并不提供全面医疗保障，宣传却容易让人误以为保障齐全，消费者可能要自己承担未付的医疗账单。
Brown 说：「如果一笔交易好得不像真的，那多半就不是真的。保费和自付额低得异常、却承诺全面或无限保障的保单，要保持怀疑。」拿不准的居民可在登记前联系州审计长办公室的保险消费者服务局咨询，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 Runs Through Jan. 15; State Auditor Warns About 'Limited Partner' Plans
HELENA, Mont. — The window for Montanans to choose 2027 health coverage is open. State Auditor James Brown, who serves as Montana's Commissioner of Securities and Insurance, reminded residents on November 2 that the Affordable Care Act (ACA) Marketplace open enrollment period runs from November 1, 2026, to January 15, 2027, when people can apply for, renew, or change health plans for the coming year.
Two dates matter most. Coverage can begin as early as January 1, 2027, for those who enroll or change plans by December 15, 2026. For those who enroll or change plans between December 16, 2026, and January 15, 2027, and pay their first premium, coverage starts February 1, 2027. After January 15, consumers may only enroll or change Marketplace plans if they qualify for a Special Enrollment Period. Enrollment runs through HealthCare.gov, and ACA-compliant individual plans are also available through licensed insurance agents.
Brown also warned residents to carefully review any coverage offered outside the ACA Marketplace. His agency 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 ACA-compliant and do not provide comprehensive medical coverage, although they may be marketed otherwise, leaving consumers at risk 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," Brown said. Montana consumers can contact the Insurance Consumer Service Bureau at the Auditor's Office before enrolling, 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：蒙大拿州议会大厦，位于州府 Helena。Wikimedia Commons（CC BY 4.0）。 / Photo: The Montana State Capitol in Helena. Wikimedia Commons (CC BY 4.0).
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