[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"content-doc-dcio5bada6dd":3},{"user":4,"document":8,"mainDocument":27,"columnUrl":29,"subscription":30,"footer":42,"text":77},{"isAuthenticated":5,"isAdmin":5,"displayName":6,"avatarUrl":6,"nid":6,"groupLevel":7},false,"",-10,{"id":9,"fullTitle":10,"subTitle":6,"url":11,"columnId":12,"columnName":13,"columnUrl":14,"summary":6,"contentHtml":15,"mainContentHtml":6,"posterUrl":16,"createDate":17,"displayDate":18,"displayDateSlash":19,"pageviews":20,"tags":21,"hidden":5,"isSubContent":5,"replyDocOrTargetId":6,"contentType":23,"videoId":6,"liveVideoUrl":6,"duration":24,"price":24,"priceText":25,"priceBadgeText":25,"priceBadgeClass":26,"freeForMinGroupLevel":24,"redirectUrl":6,"readyToStream":5},"dcio5bada6dd","联邦医保支付意外上修!-2027年费率“红包”引爆美股医疗保险板块","\u002Fdoc\u002Fdcio5bada6dd","col18178739ee","美股资讯","\u002Fcol\u002Fcol18178739ee","\u003Cp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">美股投资网获悉，美国健康保险公司们的股价周二在美股盘前交易中集体上涨，此前美国政府表示，计划对2027年美国联邦医疗保险Medicare Advantage医保计划的支付费率进行远远高于市场预期的上调幅度。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">美东时间周二美股盘前交易中，美国医疗保险业巨头联合健康(UNH)股价大涨6.9%，CVS Health(CVS)、Elevance Health(ELV)、Centene(CNC)以及Molina Healthcare(MOH)等医疗保险领军者们股价涨幅介于3.6%至6%之间。值得注意的是，长期专注于联邦医疗Medicare业务的保险公司Humana(HUM)股价盘前直接飙升超11%，并成为标普500指数中盘前表现最好的股票。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">据了解，美国医疗保险和医疗补助服务中心(简称CMS)周一晚些时候表示，将把2027年面向为美国老年人群体提供Medicare Advantage计划的私营保险公司的支付水平平均上调2.48%，显著高于其1月份提出的0.09%增幅。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">来自RBC资本市场的分析师团队在一份最新研报中表示，这一升幅明显高于他们此前1%至1.5%的最乐观预期。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">“我们认为，这次修订更多是在纠正一个精算上的错误，而不是CMS放松了其对MA的纪律性态度，”来自华尔街金融巨头杰富瑞(Jefferies)的分析师团队在一份报告中表示。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">一位来自Medicare的机构业务官员在与分析师们的电话会议中表示，保险公司还将因与健康状况相关联的风险评估支付方式调整而额外获得2.5%的利好驱动力，因此总增幅约为5%。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">CMS表示，此次上调将在2027年为Medicare Advantage联邦医疗保险计划带来超过130亿美元的额外支付红利。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">政府支付费率会影响保险公司们每月保费的基准定价以及其提供哪些计划中的福利举措，以及最终能够获得多少利润;这些医疗保险公司们也会依据这一费率，为其将在2027年销售的Medicare Advantage计划合同准备投标工作。对于长期依赖Medicare Advantage业务的保险商们而言，这相当于利润端被官方上修，而且幅度明显高于华尔街原本预期，因此Humana、CVS、Elevance等股票会立刻被重估。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">Medicare Advantage(也就是 Medicare Part C)本质上是由政府出资、由私营保险公司承保和管理的老年人医保方案。参保人不是直接使用传统联邦医疗保险计划Medicare，而是加入经Medicare批准的商业保险计划;这类计划必须覆盖Medicare Part A以及Part B，通常还把处方药Part D一并打包进去，很多产品还会附带牙科、视力或健身等传统Medicare不一定覆盖的附加福利。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">因此可以将Medicare Advantage理解为联邦医保资金流向商业保险商，由后者负责产品设计、医生网络、福利配置与医疗成本管理。非营利性健康政策研究组织KFF指出，Medicare Advantage已覆盖超过一半符合资格的Medicare受益人，这意味着它早已不是边缘补充，而是美国医保商业模式中最核心的利润池之一。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">Medicare Advantage 的官方支付费率，直接决定保险公司未来能以什么价格投标 2027 年产品、能否维持或扩充福利、是否需要提高保费，以及最终能留住多少承保利润。过去一段时间，市场一直担心老年医疗利用率上升、药品和诊疗成本走高，会侵蚀这些公司的利润率;而这次费率上修，等于在成本压力尚未完全消失时，先给了行业一块厚得多的“利润缓冲垫”。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">最专业的美股资讯,推荐美股大数据 \u003Ca href=\"https:\u002F\u002FStockwe.com\u002F\">https:\u002F\u002FStockwe.com\u002F\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">如何识别美股市场异常波动？美国机构主力资金买卖情况，出货和吸筹，使用美股投资网VIP会员，2008年成立于美国硅谷，由前纽约证券交易所分析师Ken创立，联合多位摩根斯坦利分析师，谷歌 Meta工程师利用AI和大数据，配合十多年美股实战经验和业内量化模型，建立了一个股市数据库 \u003Ca href=\"https:\u002F\u002FStockWe.com\u002F\">https:\u002F\u002FStockWe.com\u002F\u003C\u002Fa> 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buy@TradesMax.com 美国电话 626-378-3637","公司介绍","\u003Cp class=\"MsoNormal\">美股大数据 StockWe.com 是一个美国领先的金融和美股信息大数据提供商，紧盯华尔街金融市场和行情，2008年成立于美国硅谷，创始人是前纽约证券交易所资深分析师Ken，联合多位摩根斯坦利分析师，谷歌 Meta工程师利用AI和大数据，配合十多年美股实战经验和业内量化交易模型，每天处理千万级股票数据：挖掘潜力大牛股，捕捉期权异动大单，实时主力资金流向、机构持仓变化、川普突发新闻，精准买卖信号第一时间发到您手机APP。\u003C\u002Fp>","专业美股投资者都在这里",{"loading":78,"search":79,"searchPlaceholder":79,"hotContent":80,"draft":81,"noData":82,"searchNoData":83,"edit":84,"editVideo":85,"courseContent":86,"more":87,"buyNow":88,"subscribeNow":89,"encoding":90,"paidContent":91},"Loading...","搜索","热门内容","草稿","目前没有任何内容公布","当前检索内容没有数据","编辑","编辑视频","课程内容","更多","立即购买后观看","- 立即订阅 -","视频编码中...","付费内容"]