Covered California 2027年投保开放至1月31日：12月31日前选好计划，1月1日起生效
加利福尼亚州健康保险市场 Covered California 在 Sacramento 宣布，2027年度开放投保期从2026年11月1日到2027年1月31日，这是《平价医疗法案》下的第14个开放投保期。目前通过该市场投保的加州人超过170万。
对11月12日的居民来说，最要紧的是两个日子：想让保险覆盖2027年全年，必须在2026年12月31日前选好计划，新保险2027年1月1日生效；在2027年1月里选的计划，2月1日生效。
2027年全加州共有12家保险公司提供计划，其中包括一家新加入的公司。加州今年把州补贴计划的资金从2026年的1.9亿美元提高到2027年的3亿美元，收入在联邦贫困线200%以内的居民（个人31,920美元、四口之家66,000美元）可以拿到州里的保费补贴。市场预计2027年有超过50万加州人拿到州补贴，近20万人能选到两款保费为0美元的银级计划。
市场执行主任 Jessica Altman 说，全州有16,000名认证投保协助员，99.6%的加州人离面对面帮助不超过15分钟路程，协助免费、保密，并提供多种语言服务。
已经在保的人可以在这段时间续保或换计划，没有保险的人可以新投保。错过1月31日，通常要等生活中出现结婚、失去原有保险这类符合条件的大事，才能走特殊投保期。
（来源：Covered California）
Covered California Open Enrollment for 2027 Runs Through January 31, Enroll by December 31 for January 1 Coverage
Covered California, the state's health insurance marketplace, announced in Sacramento that open enrollment for 2027 coverage runs from November 1, 2026 through January 31, 2027, the 14th open enrollment period under the Affordable Care Act. More than 1.7 million Californians are currently enrolled through the marketplace.
For residents reading on November 12, two dates matter most: to have coverage for all of 2027, a plan must be selected by December 31, 2026, with coverage starting January 1, 2027; plans selected during January 2027 start February 1.
Twelve health insurance companies will offer plans statewide for 2027, including one new insurer. California raised funding for its state subsidy program from $190 million in 2026 to $300 million in 2027, and residents with incomes up to 200 percent of the federal poverty level ($31,920 for an individual or $66,000 for a family of four) are eligible for state help with premiums. The marketplace projects more than 500,000 Californians will receive a state subsidy in 2027, and nearly 200,000 can choose from two Silver plans with a $0 premium.
Executive Director Jessica Altman said 16,000 certified enrollers work across the state, putting 99.6 percent of Californians within 15 minutes of in-person help, which is free, confidential and available in multiple languages.
Current enrollees can renew or switch plans during this window, and people without coverage can sign up. After January 31, enrollment generally requires a qualifying life event such as marriage or losing other coverage, through a special enrollment period.
(Source: Covered California)
来源：Covered California
发布：GSM·美国（发布链接）
图片来源：图：位于 Sacramento 的加利福尼亚州议会大厦西北侧外观。照片：Radomianin，公共领域，经维基共享资源。 / Photo: Northwest view of the California State Capitol in Sacramento. Photo: Radomianin, public domain, via Wikimedia Commons
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