2027年医保开放参保11月1日开启：基准银计划保费平均上涨13%
2027年医保开放参保11月1日正式开启，民众可通过 HealthCare.gov 选购2027年医保计划，窗口期至2027年1月15日；12月15日前参保者，保障自2027年1月1日起生效。
根据凯泽家庭基金会（KFF）10月30日发布的联邦计划数据分析，2027年基准银计划保费平均上涨13%，其中使用 HealthCare.gov 的州平均上涨11%，自营医保市场的州平均上涨16%。这是连续第二年大幅上涨：2025年至2026年保费上涨26%，两年累计约42%。
这是增强版保费税收抵免于2025年底到期后的第二个参保年度。联邦医疗保险和医疗补助服务中心（CMS）10月30日的事实说明未给出平均涨幅，但称超过75%的 HealthCare.gov 购物者在抵免后仍可获得每月不超过50美元的保费选择。KFF同时指出，保险公司将上涨主因归于医疗成本上升，参保人群结构变化约占涨幅的4个百分点。
来源：KFF 10月30日分析；CMS 2027计划年度事实说明。
Open Enrollment for 2027 Coverage Opens November 1: Benchmark Silver Premiums Rise 13% on Average
Open enrollment for 2027 health coverage opened on November 1, with plans available through HealthCare.gov through January 15, 2027; coverage for those who enroll by December 15 begins on January 1, 2027.
According to a KFF analysis of federal plan data published on October 30, benchmark silver plan premiums will rise 13% on average for 2027 — 11% in states using HealthCare.gov and 16% in states running their own marketplaces. It is the second large increase in a row: premiums rose 26% from 2025 to 2026, a two-year cumulative increase of about 42%.
This is the second enrollment year since the enhanced premium tax credits expired at the end of 2025. The Centers for Medicare & Medicaid Services' October 30 fact sheet did not give an average premium change, but said more than 75% of HealthCare.gov shoppers would still have access to a plan costing $50 a month or less after tax credits. KFF noted that insurers attribute the increases mainly to rising medical care costs, with changes in the enrollee risk pool accounting for about 4 percentage points of the rise.
Sources: KFF analysis, October 30; CMS plan year 2027 fact sheet.
来源：GSM·美国（原文链接）
图片来源：图：美国卫生与公众服务部总部。来源：Wikimedia Commons（G. Edward Johnson，CC BY 4.0）
GSM Global · 本篇英文版 English edition of this story
