根据平价医疗法案 (ACA) 报名参加健康保险的截止日期是 12 月 15 日（星期日）

想要根据《平价医疗法案》在 2025 年签署健康保险的人必须在 12 月 15 日（星期日）当天结束之前进行登记

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 年根据《平价医疗法案》签署健康保险的人，如果他们希望保险从元旦开始，就必须在 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.

密尔沃基县表示：“对于发生事故、受伤或疾病发作时，任何人最不需要担心的就是他们将如何支付费用，或者他们是否会陷入某种医疗债务。”高管大卫·克劳利 (David Crowley) 在周五的在线新闻发布会上提醒人们注意周日的截止日期。

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.

《平价医疗法案》(ACA) 对健康保险计划实施了新的消费者保护条款，其中要求人们不能因为个人健康史而被拒绝承保或收取更高的保费。

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.

该法案还促成了联邦医疗保健市场 Healthcare.gov 的创建，如果人们没有通过雇主或其他团体来源（包括医疗补助或医疗保险）获得健康保险，则可以在该市场购买个人健康保险计划。 Healthcare.gov 提供有关个人所在地理区域可用计划的信息。

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 个人计划的开放投保期于 11 月 1 日开始。无论人们是第一次投保（例如，因为他们因工作而失去保险）还是在 2023 年或更早投保后续保，“您都应该现在就利用这个时机，”保护我们的护理 (Protect Our Care) 的乔·泽佩基 (Joe Zepecki) 说道，该活动是一项支持和加强 ACA 的全国性运动。保护我们的关怀组织了周五的新闻发布会。

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 上注册计划的人必须在 12 月 15 日（星期日）之前完成注册，才能获得从 1 月 1 日开始的承保。对于在星期日之后注册的人，2025 年的承保要到 2 月 1 日才会开始。报名截止日期为1月15日。

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.

人们可以通过全州健康保险导航器 Covering Wisconsin (coveringwi.org) 获得评估其计划选择的指导。除了该网站之外，威斯康星州居民还可以致电 414-400-9489（密尔沃基地区）或 608-261-1455（麦迪逊地区）联系该组织的导航员。该州任何地方的居民都可以拨打这两个电话号码。

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.

根据联邦医疗保险和医疗补助服务中心 (CMS) 的数据，截至 12 月 1 日，已有 88,189 名威斯康星州居民在当前开放投保期内投保。据威斯康星州保险专员办公室报告，这一数字略低于去年同期的速度，当时截至 12 月 2 日，注册人数为 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 周五表示，到 2024 年，ACA 网站提供的计划已覆盖近 25 万威斯康星州居民（创纪录的数字）。

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.

扩大与申请人收入挂钩的联邦税收抵免补贴，大大降低了通过平价医疗法案购买计划的成本。 Zepecki 表示，这些补贴降低了约 61,000 名威斯康星州居民的费用，并将持续到 2025 年，使人们更能负担得起医疗计划。

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.

增强型保险费税收抵免补贴是在乔·拜登总统任期第一年于 2021 年颁布《美国救援计划法案》(ARPA) 时首次制定的，并在 2022 年《通货膨胀削减法案》中得到延长。

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，对于年收入 6 万美元的 45 岁威斯康星州人来说，增加补贴每年将节省约 1,442 美元。对于一对年收入合计为 82,000 美元的 60 岁夫妇来说，“获得保费税收抵免和失去这些抵免的差异每年超过 18,000 美元，”他补充道。对于家庭年收入为 125,000 美元的四口之家来说，保费税收抵免将节省超过 8,200 美元。

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

“这对[联邦健康保险]市场上的几乎每个人都有帮助，”泽佩基说。

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.

威斯康星州民主党参议员塔米·鲍德温 (Tammy Baldwin) 表示，在 2025 年国会中，将补贴永久化“将是我的首要任务，因为它可以帮助威斯康星州和美国各地的工薪家庭”。她表示，随着共和党立法者寻求延长唐纳德·特朗普(Donald Trump)第一任总统任期内2017年颁布的减税政策，他们将参与有关税法的“非常激烈的辩论”。

“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.”

鲍德温说：“遗憾的是，我知道我们有些人更关注富人和大公司的税收减免。” “我将为威斯康星州的工薪阶层而战。”

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

威斯康星州审查员是国家新闻室的一部分，国家新闻室是一个由赠款和