联邦医疗保险拟开放50岁买入：参议员 Tammy Baldwin 领衔提案，惠及5800多万人
美国联邦参议员 Tammy Baldwin 于11月10日在华盛顿领衔提出《Medicare at 50 Act》法案，主张让50至64岁的美国人可以买入联邦医疗保险（Medicare），把这项联邦医保的参加年龄从现行的65岁降到50岁，给超过5800万人增加一个保障选择。这是她在期中选举之后提出的第一项法案。
Baldwin 表示，威斯康星州家庭已经清楚表明，日子难过、医疗费用涨得太快，很多人到了50多岁、60岁出头，想找一份负担得起的医疗保险，要么贵得离谱，要么干脆没有保障。她说，让更多人在50岁就能选择买入联邦医疗保险，能给他们更多选择、更负担得起的保障，也给家庭预算留一点余地。
法案说明指出，全美50至64岁人口超过6000万，这个年龄段找一份负担得起、保障全面的保险并不容易：55至64岁人群中仍有11.5%没有医保。2026年，这个年龄段通过《平价医疗法案》（ACA）市场购买保险的保费翻倍，投保人数则下降了6%。
按法案安排，选择买入的人可以获得联邦医疗保险 A、B、D 部分同等的福利与保障，也可以选择参加 Medicare Advantage 计划；同时，他们仍可保留在 ACA 市场上有资格享受的保费抵税和费用分摊补贴，让保费更容易负担。
这项法案有9名参议员共同提案，包括 Richard Blumenthal、Jeff Merkley、Chris Van Hollen、Jack Reed、Tammy Duckworth、Andy Kim、Cory Booker、Ed Markey 和 Kirsten Gillibrand。Van Hollen、Kim 与 Duckworth 在声明中都表示，国会应当马上着手把医疗费用降下来。
Senator Tammy Baldwin Introduces Medicare at 50 Act: Buy-In From Age 50 Would Reach More Than 58 Million Americans
U.S. Senator Tammy Baldwin led a group of colleagues in Washington on November 10 in introducing the Medicare at 50 Act, legislation that would let Americans ages 50 to 64 buy into Medicare, lowering the program's eligibility age from 65 to 50 and giving more than 58 million Americans another coverage option. It is her first bill after the midterm election.
Baldwin said Wisconsin families are struggling to make ends meet amid the skyrocketing cost of health care, and that for too many people in their 50s and early 60s, finding affordable health insurance means paying very high premiums or going without coverage altogether. Giving more Americans the option to buy into Medicare at 50, she said, would mean more choices, more affordable coverage and some breathing room in family budgets.
More than 60 million Americans are between the ages of 50 and 64, and 11.5 percent of Americans between 55 and 64 remain uninsured. In 2026, premiums for Americans ages 50 to 64 buying insurance through the Affordable Care Act Marketplace doubled, while enrollment among this population fell by 6 percent, according to the bill's sponsors.
Individuals who choose to enroll would receive the same benefits and protections available under Medicare Parts A, B and D, including the option to enroll in a Medicare Advantage plan. The legislation would also let eligible individuals keep the same premium tax credits and cost-sharing subsidies they would qualify for through the ACA Marketplace.
The bill is co-sponsored by nine senators: Richard Blumenthal, Jeff Merkley, Chris Van Hollen, Jack Reed, Tammy Duckworth, Andy Kim, Cory Booker, Ed Markey and Kirsten Gillibrand. In statements, Van Hollen, Kim and Duckworth each said Congress must act now to bring down the cost of health care.
来源：美国参议员 Tammy Baldwin 办公室
发布：GSM·美国（发布链接）
图片来源：图：美国联邦参议员 Tammy Baldwin 官方肖像（公共领域，经 Wikimedia Commons；原竖幅肖像已垫入 16:9 画布，人物完整未裁切）。 / Photo: Official portrait of U.S. Senator Tammy Baldwin (public domain, via Wikimedia Commons; the vertical portrait is padded onto a 16:9 canvas, uncropped).
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