On the plus side, these increases are automatic, and recipients don't have to take any action as the higher amounts will start to appear in January 2026 benefit payments. Unfortunately, the methodology that has helped determine these increases has been in place since 1975 as part of the CPI-W. While designed to protect beneficiaries from inflation, it also only measures increases from the third quarter of 2024 against the third quarter of 2025. This said, in 2023, when inflation spiked, the COLA did spike t ...

医疗保险计划销售中的利益冲突 - 销售Medicare Advantage计划的持牌代理人获得的佣金可能高达销售Medigap计划的三倍[3] - 代理人存在经济激励，可能引导消费者选择并非最符合其利益的计划[3] - 受益人通常不了解代理人可能年复一年地获得佣金这一情况[4] Medicare Advantage与Medigap的佣金结构差异 - 第一年销售Medicare Advantage计划允许支付较高的佣金，之后或用户续保时，代理人获得的持续续约费率较低[4] - Medigap的佣金由各州设定最高限额，保险公司在该限额内支付固定、可重复的金额，代理人无法控制这些由州法规决定的费率[5] 消费者信息不对称与选择限制 - 消费者对销售Medicare Advantage计划的经济激励不知情，甚至不知道需要询问此事[6] - 在某些情况下，如果代理人对特定Medicare计划不收取佣金，可能不会将其作为选项提供给受益人[7]