<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Insurance Compared Daily (简体中文)</title><link>https://insurancecompareddaily.com/zh/</link><atom:link href="https://insurancecompareddaily.com/zh/rss.xml" rel="self" type="application/rss+xml"/><description>用简体中文讲清美国汽车、房屋和人寿保险：每种保障管什么、保费怎么算、买之前该核实什么。</description><language>zh-Hans</language><lastBuildDate>Sun, 18 Oct 2026 00:00:00 GMT</lastBuildDate><item><title>奥巴马医保金属等级：铜级、银级、金级、白金级怎么选</title><link>https://insurancecompareddaily.com/zh/health-insurance/aca-metal-levels-guide/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/health-insurance/aca-metal-levels-guide/</guid><description>奥巴马医保金属等级一次讲清：铜级、银级、金级、白金级和灾难性计划各付多少，保费和自付额怎么取舍，什么收入应先看银级计划。</description><category>医疗保险（ACA）</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/aca-metal-levels-1200.webp" type="image/webp" length="0"/></item><item><title>奥巴马医保补贴怎么算？2026、2027 年收入标准和报税对账</title><link>https://insurancecompareddaily.com/zh/health-insurance/obamacare-premium-tax-credit-guide/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/health-insurance/obamacare-premium-tax-credit-guide/</guid><description>奥巴马医保补贴（保费税收抵免）2026、2027 年怎么算：400% 联邦贫困线上限回归、银级基准计划、CSR、8962 表全额偿还，以及合法移民资格。</description><category>医疗保险（ACA）</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/aca-subsidies-1200.webp" type="image/webp" length="0"/></item><item><title>美国车险保障类型详解：责任险、碰撞险、综合险（2026）</title><link>https://insurancecompareddaily.com/zh/auto-insurance/us-car-insurance-coverage-types/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/auto-insurance/us-car-insurance-coverage-types/</guid><description>美国车险保障类型一次讲清：责任险、碰撞险、综合险、无保险驾驶人保险和 PIP 各管什么，各州最低要求，以及持中国驾照或国际驾照时要注意的事。</description><category>汽车保险</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/auto-coverage-types-1200.webp" type="image/webp" length="0"/></item><item><title>美国车险保费是怎么算的？邮编、信用分和驾驶记录（2026）</title><link>https://insurancecompareddaily.com/zh/auto-insurance/how-us-car-insurance-premiums-work/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/auto-insurance/how-us-car-insurance-premiums-work/</guid><description>美国车险保费怎么算？一文讲清驾驶记录、邮编、车型、里程和信用分如何影响价格，各州对信用分的限制，以及刚来美国没有记录时该怎么办。</description><category>汽车保险</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/auto-rating-factors-1200.webp" type="image/webp" length="0"/></item><item><title>美国房屋保险（屋主保险）保什么？买房必读指南（2026）</title><link>https://insurancecompareddaily.com/zh/home-insurance/us-homeowners-insurance-guide/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/home-insurance/us-homeowners-insurance-guide/</guid><description>美国房屋保险（屋主保险）一次讲清：六大保障、HO-3 与 HO-5、重置成本与实际现金价值、飓风自付额、洪水地震除外责任和加州 FAIR 计划。</description><category>房屋保险</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/home-coverage-1200.webp" type="image/webp" length="0"/></item><item><title>定期寿险和终身寿险有什么区别？储蓄型保险怎么看（2026）</title><link>https://insurancecompareddaily.com/zh/life-insurance/term-vs-whole-life-insurance-guide/</link><guid isPermaLink="true">https://insurancecompareddaily.com/zh/life-insurance/term-vs-whole-life-insurance-guide/</guid><description>定期寿险和终身寿险区别一次讲清：现金价值、万能险和 IUL、保单贷款与退保费用、犹豫期，以及购买储蓄型寿险前如何核实代理人执照。</description><category>人寿保险</category><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><enclosure url="https://insurancecompareddaily.com/images/posts/term-vs-whole-1200.webp" type="image/webp" length="0"/></item></channel></rss>