CMS 预计 2027 年联邦医保优选计划平均保费下降 16.5% 至每月 12 美元
美国联邦医疗保险和医疗补助服务中心（CMS）发布 2027 年保费预测说，联邦医保优选计划（Medicare Advantage）的加权平均月保费预计将从 2026 年的 14.37 美元降至 2027 年的 12.00 美元，降幅 16.5%。该数字涵盖含处方药覆盖的计划与特殊需求计划。
CMS 表示，优选计划内处方药部分的平均月保费在扣除返款后，预计将从 11.32 美元降至 7 美元，降幅 38%。单独购买的 Part D 处方药计划平均月保费预计从 35.09 美元升至 36 美元，涨幅不到 1 美元，Part D 市场整体价格保持稳定。
CMS 称，上述信息在 2026 年 10 月 15 日至 12 月 7 日的联邦医保开放注册期之前发布，供参保人比较 2027 年计划时参考。CMS 主任 Mehmet Oz 表示，2027 年优选计划与处方药计划预计保持稳定。
CMS 同时说明，2027 年各州计划明细与保费数据文件已在其官网发布，参保人可按所在州查询。
（来源：联邦医疗保险和医疗补助服务中心）
CMS Projects Medicare Advantage Premiums to Fall 16.5% to $12 a Month in 2027
The Centers for Medicare & Medicaid Services (CMS) has projected that the weighted average monthly premium for Medicare Advantage plans will fall from $14.37 in 2026 to $12.00 in 2027, a decline of 16.5%. The figure covers plans with prescription drug coverage and Special Needs Plans.
For Medicare Advantage plans that include drug coverage, the average monthly Part D premium after rebates is projected to drop 38%, from $11.32 to $7, CMS said. The average premium for stand-alone Part D prescription drug plans is projected to rise by less than $1, from $35.09 to $36, with broad pricing stability across the Part D market.
CMS released the figures ahead of the Medicare Open Enrollment period, which runs from October 15 to December 7, 2026, so beneficiaries can compare 2027 plans. CMS Administrator Dr. Mehmet Oz said Medicare Advantage and prescription drug programs are expected to remain stable in 2027.
State-by-state fact sheets and the 2027 plan landscape files are available on the CMS website, the agency said.
(Source: Centers for Medicare & Medicaid Services)
来源：联邦医疗保险和医疗补助服务中心
发布：GSM·美国（发布链接）
图片来源：联邦医保卡样卡照片（美国联邦政府作品，公共领域；Wikimedia Commons）/ Sample U.S. Medicare card (U.S. federal government work, public domain; via Wikimedia Commons)
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