联邦医疗保险计划开放注册期开始 联邦医疗保险的开放注册期于12月7日结束。
Medicare plans as open enrollment begins Open enrollment for Medicare ends Dec. 7.
面向主要为65岁及以上人群的全国性联邦医疗保险计划（Medicare）的开放注册期已经开始。
Open enrollment for Medicare, the nationwide federal health insurance program primarily for those aged 65 and older, has started.
由于保险公司在缩减其提供的计划，许多私营联邦医疗保险优势计划（Medicare Advantage）的参保人可能需要寻找新的计划。
Many enrollees in privately run Medicare Advantage plans may need to find new plans as insurers scale back their offerings.
此外，在特朗普政府结束一项临时补贴计划后，处方药的费用可能会增加。
Additionally, costs may increase for prescription drugs after the Trump administration ended a temporary subsidy program.
以下是您需要了解的关于今年一些重大变化的信息，开放注册期将于12月7日结束。
Here's what you need to know about some of the biggest changes coming this year before open enrollment ends on Dec. 7.
更少的联邦医疗保险优势计划选项 在联邦医疗保险的开放注册期间，参保人可以在传统联邦医疗保险和联邦医疗保险优势计划之间为即将到来的一年做出选择。
Fewer Medicare Advantage options During Medicare's open enrollment period, enrollees can choose between traditional Medicare and Medicare Advantage plans for the upcoming year.
随着特朗普政府誓言为美国人降低药品价格，医疗保险和医疗补助服务中心（Centers for Medicare & Medicaid Services）坚称其2027年的处方药价格将保持稳定，且联邦医疗保险优势计划中的平均处方药保费预计将暴跌超过30%。
As the Trump administration vows to lower drug prices for Americans, the Centers for Medicare & Medicaid Services contends that its 2027 prescription drug prices will remain stable and the average prescription drug premiums in Medicare Advantage are projected to plummet more than 30%.
约有3500万人参加了联邦医疗保险优势计划，这是一项由私营保险公司运营并经联邦医疗保险批准的计划。该计划必须遵守联邦医疗保险制定的规则，例如限制自付费用并涵盖传统联邦医疗保险所涵盖的所有服务。
About 35 million people are enrolled in Medicare Advantage, a Medicare-approved plan run by private insurance companies. The plan must follow rules set by Medicare, such as limiting out-of-pocket expenses and covering all services covered by traditional Medicare.
凯泽家庭基金会（KFF）的一项分析显示，2027年普通联邦医疗保险受益人可以在35个联邦医疗保险优势计划中进行选择，而2026年则为39个。
A KFF analysis shows that the average Medicare beneficiary can choose from among 35 Medicare Advantage plans in 2027 compared to 39 plans in 2026.
这表明保险公司要么在缩减，要么在完全取消联邦医疗保险优势计划，许多联邦医疗保险受益人将需要为2027年寻找新的计划。
This indicates that insurers are either scaling back or removing Medicare Advantage plans completely and many Medicare beneficiaries will need to find new plans for 2027.
凯泽家庭基金会本月早些时候的另一项分析发现，一些参保人将失去在县级提供的联邦医疗保险优势计划处方药计划。
A separate KFF analysis earlier this month found that some enrollees will be losing their Medicare Advantage prescription drug plans, which are offered at the county level.
分析发现，约有1%的联邦医疗保险优势计划受益人在普通注册期间将无法获得任何处方药计划。这包括来自193个县的受益人，高于2026年的123个县。
About 1% of Medicare Advantage beneficiaries will have no prescription drug plan available during general enrollment, the analysis found. This includes beneficiaries in 193 counties, up from 123 counties in 2026.
取消D部分补贴 今年早些时候，特朗普政府宣布将结束一项旨在限制老年人处方药计划保费的关键临时医疗保险补贴计划。
Elimination of Part D subsidies Earlier this year, the Trump administration announced it was ending a key temporary health insurance subsidy program aimed at capping prescription drug plan premiums for seniors.
联邦医疗保险D部分——即该政府医疗保险计划的处方药福利——被数千万老年或残疾受益人使用。
Medicare Part D -- the government health insurance program's prescription drug benefit -- is used by tens of millions of older or disabled beneficiaries.
当时，医疗保险和医疗补助服务中心管理员穆罕默德·奥兹（Mehmet Oz）博士声称，被称为D部分保费稳定示范计划的该计划使企业保险公司受益。
At the time, Dr. Mehmet Oz, administrator of the Centers for Medicare & Medicaid Services, claimed the program, known as the Part D Premium Stabilization Demonstration, benefited corporate insurance companies.
该计划的补贴定于年底到期。一名政府官员对美国广播公司新闻（ABC News）表示，此举可能会导致大约一半受领者的处方成本上升并增加保费。
The program's subsidies are set to expire at the end of the year. That move will likely result in higher prescription costs and increase premiums for about half of recipients, an administration official told ABC News.
凯泽家庭基金会联邦医疗保险政策项目副主任兼总监朱丽叶·库班斯基（Juliette Cubanski）在一份声明中表示：“如果没有这些在2027年到位的额外补贴，一些D部分独立药物计划的参保人明年可能会面临比近年来更大的药品保障保费涨幅，尽管具体的计划保费金额尚不清楚。”
"Without these extra subsidies in place for 2027, some Part D stand-alone drug plan enrollees could face a larger premium increase for drug coverage next year than in recent years, though plan-specific premium amounts are not yet known," Juliette Cubanski, vice president and director of the program on Medicare policy at KFF, said in a statement.
医疗保险支付咨询委员会2026年3月的一份报告发现，该计划提供的补贴使2025年的平均每月处方药计划保费减少了26美元，2026年减少了16美元。
A March 2026 report from the Medicare Payment Advisory Commission found subsidies provided under the program reduced the average monthly prescription drug plan premium by $26 in 2025 and $16 in 2026.
圣路易斯华盛顿大学公共卫生学院伯纳德·贝克尔讲席教授兼卫生政策分析师蒂莫西·麦克布莱德（Timothy McBride）对美国广播公司新闻表示：“联邦医疗保险D部分补贴的变化非常深远，将产生相当大的影响。”
"The changes in the subsidies for Medicare Part D are pretty profound and are going to have a pretty big effect," Timothy McBride, the Bernard Becker Professor in the School of Public Health at Washington University in St. Louis and a health policy analyst, told ABC News.
奥兹7月在社交平台X上发文声称，大多数联邦医疗保险受领者的保费涨幅不会超过10美元，有些人甚至可能会看到更低的保费。
In a post on X in July, Oz claimed that most Medicare recipients will not see their premiums go up by more than $10 and some may see even lower premiums.
*奥兹写道：“每位联邦医疗保险受益人仍然可以使用低成本计划，我们将继续为每一位美国患者降低处方药价格。”
"Every Medicare beneficiary still has access to low-cost plans, and we will continue to lower prescription drug prices for every American patient," Oz wrote.
D部分即将到来的其他变化包括联邦医疗保险D部分药品的年度自付费用的上限。例如，标准免赔额将从615美元增加到700美元。
Other changes coming to Part D include the cap on annual out-of-pocket expenses for Medicare Part D drugs. The standard deductible, for example, will increase from $615 to $700.
麦克布莱德说：“我认为人们不仅需要关注保费，还需要关注免赔额和上限等事情，因为这可能会显着影响他们的自付费。”
"I think people need to be paying attention to not just the premium, but also things like the deductible and the caps because that could significantly impact their out-of-pocket costs," McBride said.