2026年的医疗保险受益人面临更高的保险费、更少的计划选择和不断增加的自付费用,特别是在佛罗里达州,他们有最新的工具来帮助选择。 Medicare beneficiaries in 2026 face higher premiums, fewer plan choices, and rising out-of-pocket costs, especially in Florida, with updated tools to help navigate options.

2026年,医疗保险受益人面临更高的保险费、增加的可扣除额和更少的计划选择,特别是在佛罗里达和其他地区,医疗保险优惠计划缩减,一些独立的D部分计划消失。 In 2026, Medicare beneficiaries face higher premiums, rising deductibles, and fewer plan choices, especially in Florida and other areas, with Medicare Advantage plans shrinking and some stand-alone Part D plans disappearing. 自付药物限额增至2 100美元,而D部分平均保险费略有下降,为每月34.50美元。 The out-of-pocket drug limit increases to $2,100, while average Part D premiums drop slightly to $34.50 monthly. 与收入有关的附加费适用于收入超过109 000美元者。 Income-related surcharges apply to those earning over $109,000. 医保计划查找工具正在以提供商网络清单、强化过滤和AI动力成本估算器来更新,以提高透明度。 The Medicare Plan Finder tool is being updated with provider network lists, enhanced filtering, and an AI-powered cost estimator to improve transparency. 2025年10月15日至12月7日开放入学,专家们敦促受益者审查计划变化,确认供应商参与,并利用SHIP咨询师等免费资源浏览选项。 Open enrollment runs from October 15 to December 7, 2025, with experts urging beneficiaries to review plan changes, confirm provider participation, and use free resources like SHIP counselors to navigate options.