联邦医疗保险开放期12月7日截止：换计划2027年1月1日生效，处方药自付封顶2,400美元
联邦医疗保险（Medicare）的年度开放期正在进行，时间从2026年10月15日到12月7日。美国医疗保险和医疗补助服务中心提醒，在这段时间里，所有参加联邦医疗保险的人都可以更换自己的医疗计划和处方药计划，新计划从2027年1月1日起生效，计划方必须在12月7日前收到更换申请。
开放期内能办的事包括：在原始联邦医疗保险和 Medicare Advantage 计划之间转换、更换或退出 Medicare Advantage 计划、加入或更换 Part D 处方药计划。不做任何更换的人，现计划照常延续，不需要操作。
2027年的 Part D 数字已经定下：标准自付额（deductible）为700美元，全年自付药费封顶2,400美元，高于2026年的2,100美元。服务中心预计独立 Part D 计划的平均月保费约为36美元，具体计划之间差别可以很大。
比计划的正确做法，是先看自己计划寄来的年度变更通知，再拿自己实际在吃的处方药、常去的医生和药房去比。药单一年里变过、或者医生不再在计划网络内的，今年就值得认真比一次。
错过12月7日，下一个能普遍更换计划的窗口要等下一年。另有一个只面向现有 Medicare Advantage 参保人的小窗口，在每年1月1日到3月31日，可以换一次 Advantage 计划或退回原始联邦医疗保险。
（来源：美国医疗保险和医疗补助服务中心）
Medicare Open Enrollment Ends December 7: Plan Changes Start January 1, 2027, With Part D Out-of-Pocket Cap at $2,400
Medicare's annual open enrollment period is under way, running from October 15 through December 7, 2026. The Centers for Medicare and Medicaid Services notes that during this window everyone with Medicare can change their health plans and prescription drug coverage for the following year, with changes taking effect January 1, 2027, and the plan must receive the enrollment request by December 7.
The window allows switching between Original Medicare and a Medicare Advantage plan, joining, switching or dropping a Medicare Advantage plan, and joining or switching a Part D prescription drug plan. People who keep their current plan need to do nothing.
The Part D figures for 2027 are set: a standard deductible of $700 and an annual out-of-pocket cap on drug costs of $2,400, up from $2,100 in 2026. CMS projects the average stand-alone Part D premium at about $36 a month in 2027, while individual plans can differ widely.
The practical way to compare is to start with the Annual Notice of Change mailed by the current plan, then compare plans against the prescriptions actually taken and the doctors and pharmacies actually used. Anyone whose drug list changed during the year, or whose doctor left the plan network, has reason to compare carefully this year.
After December 7, the next general window to change plans is a year away. A smaller window from January 1 to March 31 each year is open only to current Medicare Advantage enrollees, who may make one switch or return to Original Medicare.
(Source: Centers for Medicare and Medicaid Services)
来源：美国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：图：美国联邦医疗保险官方福利手册的封面页。出版：美国卫生保健融资管理局，公共领域，经维基共享资源。 / Photo: Cover page of an official United States Medicare benefits booklet. Publisher: U.S. Health Care Financing Administration, public domain, via Wikimedia Commons
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