Medicare Advantage
Medicare Annual Enrollment: Sandy, Utah Options
People in Sandy can choose from 46 Medicare Advantage plans for 2027, against 48 this year. Six of this year’s plans are gone, 4 are new to Salt Lake County, and 22 that continue have changed their premium, deductible, plan type or name, 9 of them under a new name.
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SANDY, Utah — fall 2026. If you're on Medicare and want to review your coverage for next year, you have a window coming up. The Medicare Annual Enrollment Period runs from October 15 through December 7, 2026, and it's when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Choices made in that window take effect January 1, 2027.
Key takeaways
- The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 and lets people already in a Medicare Advantage plan make one switch.
- This period only applies if you were enrolled in a Medicare Advantage plan as of January 1, not if you have Original Medicare or are just turning 65.
- Once you make your one allowed change during this window, you can't make another until the next enrollment period, since bigger changes are usually saved for the fall Annual Enrollment Period (October 15–December 7) or a Special Enrollment Period.
- Since networks, drug formularies, and copays can change each new plan year, it's worth checking your current plan and comparing options on Medicare.gov's Plan Finder if it's not working well for you.
This period is different from the fall Annual Enrollment Period, and the rules about what you can and can't do can trip people up. Here's a plain-language look at what Sandy residents can actually change between now and the end of March.
Who this period is for
The Medicare Advantage Open Enrollment Period (sometimes called MA-OEP) is only for people who are already enrolled in a Medicare Advantage plan as of January 1. If you're in Original Medicare — Part A and Part B, maybe with a standalone Part D drug plan — this period does not apply to you.
If you're new to Medicare and just turning 65 this spring, you're on a different track: your Initial Enrollment Period, tied to your 65th birthday.
What you can change between January 1 and March 31
During MA-OEP, you can:
- Switch to a different Medicare Advantage plan (with or without drug coverage).
- Drop your Medicare Advantage plan and return to Original Medicare — and if you do, you can also add a standalone Part D drug plan.
You get one change during this window. Once you make a switch, that's it until the next enrollment period.
What you cannot do during this period
This is where people get confused. During MA-OEP, you cannot:
- Switch from Original Medicare into a Medicare Advantage plan (if you weren't already in one on January 1).
- Join a standalone Part D drug plan if you're staying in Original Medicare and didn't already have one.
- Switch from one standalone Part D plan to another.
Those kinds of changes are generally reserved for the fall Annual Enrollment Period (October 15 – December 7) or for a Special Enrollment Period if you qualify for one.
Why some Sandy residents may want to take a second look
A new plan year always brings changes. Networks shift, drug formularies get updated, and copays for specific services can look different in January than they did on the brochure in October. Some things worth checking:
- Is your primary care doctor or specialist still in-network in 2027?
- Are your prescriptions still covered, and at what tier?
- Are the pharmacies you use still preferred?
- If you travel out of Utah, how does the plan handle care outside the service area?
Sandy is in Salt Lake County. For 2027, the county has 37 Medicare Advantage plans from 8 carriers (down from 48 plans and 9 carriers in 2026), so if your current plan isn't a good fit, there are alternatives to compare on Medicare.gov's Plan Finder.
A few 2027 program facts worth knowing
Whether you make a change or not, a few Medicare rules for the 2027 plan year are worth noting:
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your drug spending hits that ceiling, you pay nothing for covered drugs the rest of the year.
- The Part D deductible can be no higher than $615 in 2026 and $700 in 2027.
- The old "donut hole" coverage gap is gone — Part D now works in three phases (deductible, initial coverage, catastrophic).
- The Medicare Prescription Payment Plan is available to anyone who wants to spread drug costs into monthly payments instead of paying big amounts at the pharmacy counter.
- IRMAA — the income-related surcharge on Part B and Part D — begins above $109,000 in income for a single filer in 2026.
How to make a change
You have a few options:
- Compare plans and enroll at Medicare.gov.
- Call 1-800-MEDICARE (1-800-633-4227), open 24/7.
- Get free, unbiased help from Utah's State Health Insurance Assistance Program (SHIP), sometimes called SHIBA in Utah. Counselors can walk through your specific medications and doctors with you at no charge.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Salt Lake County
(MA penetration in Salt Lake County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Q: I'm happy with my Medicare Advantage plan. Do I have to do anything?
Q: I'm still on Original Medicare. Can I join a Medicare Advantage plan now?
Q: If I switch plans in February, when does the new coverage start?
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.