(NewsNation) — Medicare（联邦医疗保险）计划的开放注册期已启动，多项将于2027年生效的变化可能影响您的医疗保障。Medicare受益人现在可至12月7日更改来年的健康和药物保障计划。2027年将生效哪些变化？
(NewsNation) — Open enrollment for Medicare plans is underway, and several changes are going into effect in 2027 that could affect your health care coverage. Medicare beneficiaries can now change their health and drug coverage plans for the upcoming year through Dec. 7. What changes are going into effect in 2027?
明年Medicare的变化包括新的药品谈判价格、减肥药价格下调，以及免赔额和自付费用上限上调。
Changes to Medicare next year include new negotiated drug prices, lower prices for weight-loss drugs, and higher deductibles and out-of-pocket caps.
对于Medicare D部分（处方药保障），自付费用上限将为2400美元，高于2026年的2100美元。
For Medicare Part D prescription drug coverage, the out-of-pocket limit will be $2,400 in 2027, up from $2,100 in 2026.
D部分处方药保障的标准免赔额将为700美元，高于2026年的615美元。
The standard deductible for Part D prescription drug coverage will be $700, up from $615 in 2026.
此外，15种额外药品的新谈判价格将于明年生效。其中包括某些GLP-1药物，即Ozempic（司美格鲁肽注射液）、Rybelsus（司美格鲁肽片）和Wegovy（司美格鲁肽注射液）。
Additionally, new negotiated prices for 15 additional drugs will take effect next year. Among them are certain GLP-1 medications, including Ozempic, Rybelsus and Wegovy.
据《新闻周刊》报道，其他药物包括Ellipta（益普利）、Xtandi（恩杂鲁胺）、Pomalyst（帕omalidomide）、Ibrance（帕博西尼）、Ofev（尼达尼布）、Trelegy（特雷吉）、Linzess（林克洛肽）、Calquence（阿可替尼）、Austedo和Austedo XR（德丁苯那嗪）、Breo Ellipta（布地奈德/维兰特罗）、Tradjenta（利格列汀）、Xifaxan（利福昔明）、Vraylar（卡利拉嗪）、Janumet和Janumet XR（西他列汀/二甲双胍），以及Otezla（阿普斯特）。
Other medications include Ellipta, Xtandi, Pomalyst, Ibrance, Ofev, Trelegy, Linzess, Calquence, Austedo and Austedo XR, Breo Ellipta, Tradjenta, Xifaxan, Vraylar, Janumet and Janumet XR, and Otezla, according to Newsweek.
根据2026年Medicare受托人报告，B部分保费预计将增至每月209.50美元，高于2026年的202.90美元。B部分年度免赔额预计将从283美元增至约292美元。
The Medicare Part B premium is projected to increase to $209.50 per month, up from $202.90 in 2026, according to the 2026 Medicare Trustees Report. The annual Part B deductible is projected to increase from $283 to about $292.
其他将影响老年人的变化 退休人员将获得四年来最大的社会保障生活成本调整（COLA），但较高的Medicare B部分保费可能抵消部分增幅。
Other changes that will affect seniors Retirees are set to receive their largest Social Security cost-of-living adjustment in four years, but higher Medicare Part B premiums could offset some of the increase.
本周宣布的3.6% COLA将使平均社会保障退休金从1月开始每月增加75美元，全年约增加900美元。
The 3.6% cost-of-living adjustment, announced this week, will increase the average Social Security retirement benefit by $75 a month beginning in January, or about $900 over the course of the year.
根据社会保障管理局数据，经3.6% COLA调整后，退休工人的平均月度福利预计将于2027年1月达到2170美元。
After the 3.6% COLA, the average monthly benefit for retired workers is expected to reach $2,170 in January 2027, according to the Social Security Administration.
但这只是平均数。符合最高福利资格并在完全退休年龄申领的工人，每月最多可领取 4,188 美元。
But that’s just the average. Workers who qualify for the maximum benefit and claim at full retirement age can receive up to $4,188 per month.
如果联邦医疗保险受托人的预测准确，标准 B 部分保费将从 2026 年的每月 202.90 美元增至 2027 年的 209.50 美元，涨幅为 3.25%，而今年的涨幅接近 10%。
If the Medicare trustees’ projection is correct, the standard Part B premium would increase from $202.90 per month in 2026 to $209.50 in 2027, a 3.25% increase compared with a nearly 10% jump this year.