法蒂玛·胡赛因 华盛顿 — 医疗保险计划的开放注册将于周四开始，参保人将面临一系列将于2027年生效的变化。
FATIMA HUSSEIN WASHINGTON — Open enrollment for Medicare plans begins Thursday and enrollees will face a slew of changes that go into effect in 2027.
注册期将持续至12月7日，在此期间，人们将有机会在传统医疗保险和其所在地区由私营机构运营的医疗保险优势计划之间进行选择，同时也可以选择处方药计划。这些变化将于1月1日生效。
During the enrollment period, which ends Dec. 7, people will have the opportunity to choose between traditional Medicare and privately run Medicare Advantage plans in their area, as well as prescription drug plans. Those changes go into effect on Jan. 1.
开放注册也正值通胀给老年人带来压力之际，因为他们的医疗费用一直在上升，而中期选举仅剩几周时间。选民一直表示，生活成本是他们在选举前的主要关注点。
Open enrollment also comes as inflation adds pressure on seniors whose healthcare costs have risen and as midterm elections are weeks away. Voters have consistently said cost-of-living is a major concern headed into the elections.
医疗保险注册期也正值社会安全管理局周三宣布，老年人和残疾人的年度生活成本调整将从2027年开始上涨3.6%，这相当于近7200万领取每月社会安全救济金的人每月多得75美元，以及约730万领取补充性安全收入（SSI）受益人每月多得相应金额。
The Medicare enrollment period also comes as the Social Security Administration announced Wednesday that the annual cost-of-living adjustment for older adults and people with disabilities will go up by 3.6% beginning in 2027, which translates to $75 extra per month for the nearly 72 million people who receive monthly Social Security benefits and about 7.3 million beneficiaries who get Supplemental Security Income.
2027年即将实施的医疗保险新变化包括：医疗保险D部分自付费用上限提高、临时联邦D部分保费补贴结束，以及新的药品价格谈判机制。以下是其中一些最大的变化：医疗保险D部分药品年度自付费用上限将从2026年的2100美元提高至2400美元，标准免赔额将从615美元提高至700美元。临时D部分保费补贴也将提前结束。
New changes to Medicare coming in 2027 include higher Part D out-of-pocket caps, the end of temporary federal Part D premium subsidies, and new drug price negotiations. Here are a few of the biggest changes: The cap on annual out-of-pocket expenses for Medicare Part D drugs will increase to $2,400, up from $2,100 in 2026, and the standard deductible will increase from $615 to $700. The temporary Part D premium subsidy will also end early.
特朗普政府将在年底结束一项临时医疗保险D部分补贴项目，该项目曾帮助抵消保费支出。
The Trump administration concludes at year’s end a temporary Medicare Part D subsidy program that has helped offset premiums.
该项目最初由前总统乔·拜登政府于2024年实施，旨在应对2022年《通胀削减法案》的影响，降低患者的医疗保险D部分处方药费用。
It was initially implemented by former President Joe Biden’s administration in 2024 to lower patients’ Medicare Part D prescription drug costs in response to effects of the 2022 Inflation Reduction Act.
美国医疗保险与医疗补助服务中心预测，大多数参保人员的药品费用涨幅将较为有限。该中心并未回应美联社的置评请求。
The Centers for Medicare & Medicaid Services has projected only modest price increases for most people. CMS did not respond to an Associated Press request for comment.
根据拜登政府时期颁布的允许就医保药品价格进行谈判的相关法律，经过协商确定的新医保药品价格将于近期生效，涉及15种药物，其中包括用于治疗肥胖症及糖尿病的奥泽美匹、瑞贝苏斯和韦戈维等药品。
New Medicare-negotiated prices, part of a Biden-era law that allows the haggling for Medicare, will go into effect for 15 drugs, including weight-loss and diabetes medications Ozempic, Rybelsus and Wegovy.
此外，自1月1日起，特雷莱吉·艾利普塔、恩杂鲁胺、波马利司、伊布替尼、尼达尼布、利那洛肽、阿卡瑞林、奥斯特多/XR缓释片、布瑞奥·艾利普塔、西格列汀、利福昔明、鲁拉西酮、捷诺达/XR缓释片以及奥泰兹拉也将被纳入医保报销范围。
Additionally, Trelegy Ellipta, Xtandi, Pomalyst, Ibrance, Ofev, Linzess, Calquence, Austedo/Austedo XR, Breo Ellipta, Tradjenta, Xifaxan, Vraylar, Janumet/Janumet XR, and Otezla will be covered by Medicare as of Jan. 1.
据预测，这一举措将使2027年医保参保人员的处方药费用支出减少6.85亿美元。
CMS expects the change to lower prescription drug coverage for people enrolled in Medicare by $685 million in 2027.
美国退休人士协会执行副主席兼首席倡导官南希·莱蒙德在一份声明中指出：“不断上涨的医疗费用正让美国老年人愈发难以负担所需的医疗服务。如今，货比三家、仔细比较各种医保方案并选择最适合自己的保险计划显得尤为重要。”
AARP’s Executive Vice President and Chief Advocacy Officer Nancy LeaMond said in a statement that “higher healthcare costs are making it harder for older Americans to afford the care they need.”“It’s more important than ever to shop around, compare your options, and choose the coverage that’s best for you,” she said.
除上述政策变动外，唐纳德·特朗普总统近几周还向医保参保者及退休人员作出了一系列承诺。
Along with the changes, President Donald Trump in recent weeks made a series of promises to Medicare enrollees and retirees.
上周，特朗普宣布其政府将于10月份向超过2000万名医保参保者——即全体参保者中不到三分之一的人群——每人发放90美元的一次性补助，用于支付其B类医保保费。此项举措预计将耗费约20亿美元。
Last week, Trump said his administration will make one-time payments of $90 per person in October to help more than 20 million Medicare enrollees — or less than one third of enrollees — pay for their Part B premiums. It will cost about $2 billion.
不过，约3500万名参加“医保优势计划”的参保者，以及数百万残障人士与低收入医保领取者均不符合领取资格。
Not eligible are roughly 35 million Medicare Advantage enrollees, millions of other people with disabilities and low-income Medicare recipients.
据美国医疗保险与医疗补助服务中心官网信息，符合条件的受益人将于本月收到90美元的补助款，其中大多数人将通过直接转账方式收到款项；其余人员则会在10月下旬收到美国财政部寄发的纸质支票。
According to the CMS website, eligible beneficiaries will receive one $90 rebate this month, with most getting a direct deposit. Others will receive a paper check from the Treasury Department later in October.
特朗普近期还宣布，约有100万名符合条件的民众将获得500美元的补助款，用于支付《平价医疗法案》所规定的医保保费。
Trump also announced recently that roughly 1 million people would get rebate checks of $500 for Affordable Care Act premiums.