2026年,医疗保险方面的优惠入学率略有下降,保险费降低,计划准入率强。 Medicare Advantage enrollment dips slightly in 2026, with lower premiums and strong plan access.

据预测,2026年,医疗保健优惠入学率将略有下降,中央管理系统预测入学人数为3 400万,低于2025年的3 490万,标志着近20年来的首次下降。 Medicare Advantage enrollment is projected to decline slightly in 2026, with CMS forecasting 34 million enrollees—down from 34.9 million in 2025—marking the first drop in nearly two decades. MA计划的平均月保险费预计将从16.40美元降至14美元,而独立的D部分保险费将降至34.50美元,包装的MA药物保险将降至11.50美元。 Average monthly premiums for MA plans are expected to fall to $14 from $16.40, while standalone Part D premiums will drop to $34.50 and bundled MA drug coverage to $11.50. 尽管计划数目略有减少,但获得服务的机会仍然很大,97%的受益者有10个或10个以上的选择。 Despite a minor reduction in plan numbers, access remains strong, with 97% of beneficiaries having 10 or more options. CMS将于10月1日通过Plan Finder工具发布最新计划细节,其中将强化比较工具和安全性。 CMS will release updated plan details via its Plan Finder tool on October 1, featuring enhanced comparison tools and security. D部分自付最高限额将增至2 100美元。 The Part D out-of-pocket maximum will rise to $2,100. CMS指出,CMS有权拒绝过度提高保险费或削减福利,认为这是维持稳定成本的关键。 CMS cited its authority to reject excessive premium hikes or benefit cuts as key to maintaining stable costs. 10月15日至12月7日开放入学 Open enrollment runs October 15 to December 7.