根據平價醫療法案 (ACA) 報名參加健康保險的截止日期是 12 月 15 日（星期日）

想要根據《平價醫療法案》在 2025 年簽署健康保險的人必須在 12 月 15 日（星期日）當天結束之前進行登記

People who want to sign up for health insurance coverage under the Affordable Care Act in 2025 must do so by the end of the day Sunday, Dec. 15, if they want coverage to start on New Year’s Day.

想要在 2025 年根據《平價醫療法案》簽署健康保險的人，如果他們希望保險從元旦開始，就必須在 12 月 15 日（星期日）之前完成。

“For accidents or injuries or when illness strikes, the last thing that anyone should have to worry about is how they’re going to pay for that, or whether they’re going to fall into some sort of medical debt,” said Milwaukee County Executive David Crowley during an online press conference Friday to draw attention to the Sunday deadline.

密爾瓦基縣表示：「對於發生事故、受傷或疾病發作時，任何人最不需要擔心的就是他們將如何支付費用，或者他們是否會陷入某種醫療債務。」高階主管大衛·克勞利(David Crowley) 在周五的線上新聞發布會上提醒人們注意週日的截止日期。

The Affordable Care Act (ACA) imposed new consumer protection provisions for health insurance plans, among them a requirement that people cannot be denied coverage or charged higher premiums because of their personal health history.

《平價醫療法案》(ACA) 對健康保險計畫實施了新的消費者保護條款，其中要求人們不能因為個人健康史而被拒絕承保或收取更高的保費。

The act also led to the creation of a federal health care marketplace Healthcare.gov, where people can purchase individual health insurance plans if they don’t have health coverage through an employer or some other group source, including Medicaid or Medicare. Healthcare.gov provides information about the plans available in a person’s geographic area.

該法案還促成了聯邦醫療保健市場 Healthcare.gov 的創建，如果人們沒有透過雇主或其他團體來源（包括醫療補助或醫療保險）獲得健康保險，則可以在該市場購買個人健康保險計劃。 Healthcare.gov 提供有關個人所在地理區域可用計劃的資訊。

The ACA open enrollment period for individual plans started Nov. 1. Whether people are enrolling for the first time — because they’ve lost their coverage through work, for example — or renewing their insurance after enrolling previously in 2023 or before, “you should take advantage of this time right now,” said Joe Zepecki of Protect Our Care, a national campaign to support and strengthen the ACA. Protect Our Care organized Friday’s news conference.

ACA 個人計畫的開放投保期從 11 月 1 日開始。這個時機，」保護我們的護理(Protect Our Care) 的喬·澤佩基(Joe Zepecki) 說道，該活動是一項支持和加強ACA 的全國性運動。保護我們的關懷組織了周五的新聞發布會。

People who sign up for a plan at Healthcare.gov must do so by Sunday, Dec. 15, to get coverage that starts Jan. 1. For people who enroll after Sunday, 2025 coverage won’t start until Feb. 1. The final deadline for enrolling is Jan. 15.

在Healthcare.gov 上註冊計劃的人必須在12 月15 日（星期日）之前完成註冊，才能獲得從1 月1 日開始的承保。日才會開始。

People can get guidance in assessing their choices of plans through the statewide health insurance navigator, Covering Wisconsin (coveringwi.org). In addition to the website, Wisconsin residents can call 414-400-9489 in the Milwaukee area or 608-261-1455 in the Madison area to reach a navigator with the organization. Both telephone numbers are available to residents anywhere in the state.

人們可以透過全州健康保險導航器 Covering Wisconsin (coveringwi.org) 獲得評估其計劃選擇的指導。除了網站之外，威斯康辛州居民還可以致電 414-400-9489（密爾瓦基地區）或 608-261-1455（麥迪遜地區）聯繫該組織的導航員。該州任何地方的居民都可以撥打這兩個電話號碼。

As of Dec. 1, 88,189 Wisconsin residents have enrolled in coverage during the current open enrollment period, according to the federal Centers for Medicare & Medicaid Services (CMS). That’s slightly short of the pace at the same time last year, when 99,950 people enrolled by Dec. 2, the Wisconsin Office of the Commissioner of Insurance reported.

根據聯邦醫療保險和醫療補助服務中心 (CMS) 的數據，截至 12 月 1 日，已有 88,189 名威斯康辛州居民在當前開放投保期內投保。根據威斯康辛州保險專員辦公室報告，這一數字略低於去年同期的速度，當時截至 12 月 2 日，註冊人數為 99,950 人。

Almost 250,000 Wisconsin residents — a record number — have been covered in 2024 under plans provided through the ACA website, Zepecki said Friday.

Zepecki 週五表示，到 2024 年，ACA 網站提供的計劃已覆蓋近 25 萬威斯康辛州居民（創紀錄的數字）。

Expanded federal tax credit subsidies tied to the income of an applicant have reduced the cost of plans purchased through the ACA dramatically. Those subsidies have reduced the cost for about 61,000 Wisconsin residents, Zepecki said, and will remain in effect through 2025, making health plans much more affordable for people.

擴大與申請人收入掛鉤的聯邦稅收抵免補貼，大大降低了透過平價醫療法案購買計劃的成本。 Zepecki 表示，這些補貼降低了約 61,000 名威斯康辛州居民的費用，並將持續到 2025 年，使人們更能負擔醫療計畫。

The enhanced insurance premium tax credit subsidies were first instituted with the enactment in 2021 of the American Rescue Plan Act (ARPA) in the first year of President Joe Biden’s term, and they were extended in the 2022 Inflation Reduction Act.

增強保險費稅收抵免補貼是在喬·拜登總統任期第一年於2021 年頒布《美國救援計劃法案》(ARPA) 時首次製定的，並在2022 年《通貨膨脹削減法案》中得到延長。

Zepecki said that for a 45-year-old Wisconsinite making $60,000 a year, the enhanced subsidy would save about $1,442 a year. For a 60-year-old couple with a combined income of $82,000 a year, “the difference in having the premium tax credits and losing them is more than $18,000 a year,” he added. And for a family of four with a household income of 125,000 a year, the premium tax credits would save more than $8,200.

Zepecki 表示，對於年收入 6 萬美元的 45 歲威斯康辛州人來說，增加補貼每年將節省約 1,442 美元。對於一對年收入總計為 82,000 美元的 60 歲夫婦來說，「獲得保費稅收抵免和失去這些抵免的差異每年超過 18,000 美元，」他補充道。對於家庭年收入為 125,000 美元的四口之家來說，保費稅收抵免將節省超過 8,200 美元。

“This helps almost everybody who’s in the [federal health insurance] marketplace,” Zepecki said.

「這對[聯邦健康保險]市場上的幾乎每個人都有幫助，」澤佩基說。

Sen. Tammy Baldwin (D-Wis.) said making the subsidies permanent “will be at the top of my list as something that helps working families across Wisconsin and across the United States” in the 2025 Congress. She said they will be part of “a very robust debate” about the tax code as Republican lawmakers seek to extend tax cuts enacted in 2017 during Donald Trump’s first term as president.

威斯康辛州民主黨參議員 Tammy Baldwin 表示，在 2025 年國會中，將補貼永久化「將是我的首要任務，因為它可以幫助威斯康辛州和美國各地的工薪家庭」。她表示，隨著共和黨立法者尋求延長唐納德·川普(Donald Trump)第一任總統任期內2017年頒布的減稅政策，他們將參與有關稅法的「非常激烈的辯論」。

“I know we have some folks who are more focused, sadly, on tax breaks for the wealthy and big corporations,” Baldwin said. “I’m going to be fighting for working Wisconsinites.”

鮑德溫說：“遺憾的是，我知道我們有些人更關注富人和大公司的稅收減免。” “我將為威斯康辛州的工薪階層而戰。”

Wisconsin Examiner is part of States Newsroom, a nonprofit news network supported by grants and a

威斯康辛州審查員是國家新聞室的一部分，國家新聞室是一個由贈款和