2025年,由于价格上限、刺激补贴和保险人退出保险,医疗保险药品计划的选择率下降,保险费上涨。 Medicare drug plan choices dropped and premiums rose in 2025 due to price caps, prompting subsidies and insurer exits.

2025年参加医疗保险处方药计划的老年人面临较少的计划选择和较少的支助,由于2022年的《降低通货膨胀法》规定的价格上限,保险费急剧上升。 Seniors enrolling in Medicare’s prescription drug program in 2025 face fewer plan options and reduced support, with premiums rising sharply due to the 2022 Inflation Reduction Act’s price caps. 保险人增加了保险费,以抵消新的财政负担,促使拜登行政当局实施临时联邦补贴,以50亿美元的纳税人费用向受益人隐瞒成本增长。 Insurers increased premiums to offset new financial burdens, prompting the Biden administration to implement temporary federal subsidies that hid cost increases from beneficiaries at a $5 billion taxpayer cost. 尽管为稳定该方案作出了努力,但保险人的参与率有所下降,从2021年的30个减少到2026年的8个,到2026年的12个,视地点而定。 Despite efforts to stabilize the program, insurer participation has declined, reducing the average number of available plans from 30 in 2021 to 8 to 12 by 2026, depending on location. 保险人还取消了经纪人费,限制了老年人在入学期间获得专业指导的机会。 Insurers also eliminated broker fees, limiting seniors’ access to professional guidance during enrollment. 虽然法律旨在提高可负担性,但批评者认为,虽然关于该法对药品获取或保健结果的影响的数据仍然有限,但该法破坏了先前稳定的制度,没有解决核心问题。 While the law aimed to improve affordability, critics argue it disrupted a previously stable system without resolving core issues, though data on its impact on medication access or health outcomes remains limited.