威斯康星州2027年个人医保保费平均涨21.7%，12家保险商无一退出
威斯康星州保险专员办公室10月30日公布，2027年个人健康保险市场费率将按加权平均上涨21.7%，公开登记期自11月1日开始，全州12家保险商全部留守联邦医保市场，无一退出。
登记人数方面，威斯康星州2025年公开登记期曾创下313,579人的纪录，2026年则降至291,336人。该办公室表示，联邦层面的政策变动造成市场动荡，扩大版保费补贴已于2025年底到期，是登记人数下滑的背景。
州政府的威斯康星州医疗稳定计划（WIHSP）在一定程度上压住了涨幅。该办公室测算，若没有这一计划，2027年的平均涨幅将达到33%，而非21.7%。
2027年，共有12家保险商在HealthCare.gov上销售个人医保计划，另有2家在市场之外销售符合《平价医疗法案》标准的计划。保险专员Nathan Houdek提醒居民，登记期内应比较各家计划的费率与服务区域变化，再作出选择。
居民可通过WisCovered.com了解本地投保帮助，该网站上一个登记期的访问量超过26,000人次；也可拨打威斯康星州保险专员办公室电话 (608) 261-1455 或 (877) 942-6837 咨询。
（来源：威斯康星州保险专员办公室）
Wisconsin Individual Health Premiums to Rise 21.7% on Average in 2027 as All 12 Insurers Stay
Individual-market health insurance rates in Wisconsin will rise by a weighted average of 21.7% in 2027, the Wisconsin Office of the Commissioner of Insurance announced on October 30, with open enrollment beginning November 1 and all 12 insurers staying in the federal marketplace — none is leaving.
Enrollment has swung sharply. Wisconsin set a record with 313,579 sign-ups in the 2025 open enrollment period, but the total fell to 291,336 in 2026. The office attributed the drop to market destabilization from federal actions, noting that the expanded premium subsidies expired at the end of 2025.
The Wisconsin Healthcare Stability Plan (WIHSP) cushioned the increase: without the state program, the average 2027 rate rise would have been 33% instead of 21.7%, the office calculated.
For 2027, 12 insurers will sell individual plans on HealthCare.gov in Wisconsin, and two more will offer Affordable Care Act-compliant plans off the marketplace. Commissioner Nathan Houdek urged residents to compare plans' rates and service-area changes during open enrollment before choosing.
Help is available through WisCovered.com, which drew more than 26,000 visitors during the last open enrollment period, or by calling the Office of the Commissioner of Insurance at (608) 261-1455 or (877) 942-6837.
(Source: Wisconsin Office of the Commissioner of Insurance)
来源：威斯康星州保险专员办公室
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图片来源：威斯康星州议会大厦（资料图）。图：Wikideas1 摄，CC0，Wikimedia Commons / The Wisconsin State Capitol in Madison (file photo). Photo by Wikideas1, CC0, via Wikimedia Commons
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