联邦医保局定下2027年处方药计划基准保费：每月41.33美元，按法定上限涨6%
美国医疗保险与医疗补助服务中心（CMS）公布的2027年度联邦医疗保险处方药计划（Part D）投标数据显示，2027年 Part D 基准受益人保费为每月41.33美元，比2026年的38.99美元多2.34美元，涨幅6%。这组数字由 CMS 于2026年7月28日在年度投标信息事实表中发布，是计算各计划具体保费的起点。
基准受益人保费不是任何一位参保人实际要付的金额，而是全国统一的计算基准：每个处方药计划自己的保费，在这个基准之上按各自的投标与福利设计调整，所以同一年度不同计划的月保费各不相同。个人到底付多少，要看所选计划的保费表。
41.33美元这个数字是被法律上限压出来的。按法定公式要取两个算法中较低的一个：一是上年基准保费乘以1.06，即38.99美元乘以1.06，正好等于41.33美元；二是按受益人保费比例对全国平均投标额计算，结果为94.06美元。两者取低，定为41.33美元。《通胀削减法》的保费稳定条款规定，2024年至2029年基准保费每年涨幅不得超过6%，2027年正好顶格。
同一份发布还给出两个相关数字：2027年 Part D 全国平均月投标额为296.05美元，高于2026年的239.27美元；低收入补贴相关的最低微量金额（de minimis）为2美元。投标额是各计划为提供基本处方药福利所报价格的参保人数加权平均，主要用于计算联邦给计划的补贴。
2027年度计划的开放注册期为2026年10月15日至12月7日，期间选定或更换的计划2027年1月1日生效。手里有处方药计划的长者在这段时间里可以对照自家计划的年度变更通知，比较保费、自付额与常用药是否在承保清单内，再决定保留还是更换。
（来源：美国医疗保险与医疗补助服务中心）
CMS Sets 2027 Part D Base Beneficiary Premium at $41.33 a Month, Rising 6% to the Legal Cap
The national base beneficiary premium for Medicare Part D will be $41.33 a month in 2027, up $2.34 from $38.99 in 2026, a rise of 6 percent, according to bid information released by the Centers for Medicare & Medicaid Services (CMS) on July 28, 2026. The figure is the starting point from which each drug plan's own premium is calculated.
The base beneficiary premium is not a bill anyone actually pays. It is a single national reference figure: each Part D plan adjusts it according to its own bid and benefit design, so monthly premiums differ from plan to plan in the same year. What an individual pays depends on the plan they choose.
The $41.33 figure is where it is because a legal cap bound it. By statute, the premium is the lower of two calculations. The first takes the prior year's base premium and multiplies it by 1.06: $38.99 times 1.06 equals $41.33. The second applies the beneficiary premium percentage to the national average bid and produced $94.06. The lower result governs. Under the Inflation Reduction Act's premium stabilization provision, growth in the base premium is capped at 6 percent a year from 2024 through 2029, and 2027 lands exactly on that ceiling.
The same release set two related figures. The Part D national average monthly bid amount for 2027 is $296.05, up from $239.27 in 2026. The bid amount is the enrollment-weighted average of what plans bid to provide basic drug benefits, and it is used mainly to calculate the federal subsidy paid to plans. The de minimis amount relevant to low-income premium subsidies is $2.
Open enrollment for 2027 coverage runs from October 15 to December 7, 2026, and choices take effect on January 1, 2027. Beneficiaries with a drug plan can use that window to compare their plan's annual notice of change against premiums, deductibles and whether their regular medications remain on the formulary, before deciding to stay or switch.
(Source: Centers for Medicare & Medicaid Services)
来源：美国医疗保险与医疗补助服务中心
发布：GSM·美国（发布链接）
图片来源：图片来源：Wikimedia Commons「52nd MDG Pharmacy (7580222)」（美国空军照片，公共领域），图中为药房工作人员清点处方药胶囊 Image: Wikimedia Commons, "52nd MDG Pharmacy (7580222)" (U.S. Air Force photo, public domain), showing prescription capsules being counted at a pharmacy
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