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HomeMedicare SupplementUtahMedigap in Utah for 2027: 23 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Utah for 2027: 23 Insurers and the Plans They Sell

SALT LAKE CITY — People on Original Medicare in Utah have a wide field of Medicare Supplement (Medigap) insurers to consider for 2027. According to Medicare.gov's Medigap policy search for ZIP code 84101, 23 insurers are listed as selling Medigap in the state, offering a mix of federally standardized plan letters. This explainer walks through how Medigap works, which insurers and plan letters appear in the search, and the rights and dates that matter as Medicare Open Enrollment 2027 (October 15 – December 7, 2026) approaches.

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Key takeaways

  • 23 Medigap insurers appear on Medicare.gov's policy search for ZIP code 84101, selling a mix of plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • Your strongest window to buy Medigap without medical underwriting is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
  • 8 Medicare Advantage plans offered in Utah in 2026 are not being offered anywhere in the state in 2027; members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not cover prescriptions, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026.
Medicare SupplementUtah
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Utah
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap in Utah and how is it different from Medicare Advantage?

Medigap is private insurance that pays some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. It works alongside Original Medicare, not in place of it, and it does not include prescription drug coverage.

Medicare Advantage (Part C), by contrast, replaces Original Medicare as the way your benefits are delivered and usually bundles medical and drug coverage into one plan with its own network and rules. You can be enrolled in Medigap or Medicare Advantage, but not both at the same time. Medigap plans sold today are standardized by federal letter, so the benefits inside, for example, Plan G are the same from one insurer to the next; what differs is the company, the price and the customer service.

Which Medigap insurers and plan letters are listed for Utah in 2027?

For ZIP code 84101, Medicare.gov's Medigap policy search lists 23 insurers, and across them the plan letters offered include A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. What any individual sees can differ by ZIP code and by age, sex and tobacco use, and Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

The insurers listed, in alphabetical order, with the plan letters shown for each:

Premiums, discounts and household rules are set by each insurer; those details come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

When is the Medigap Open Enrollment Period in Utah and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window an insurer in Utah must sell you any Medigap policy it offers, at the same price it charges people in good health, and cannot turn you down or charge more because of a health condition.

Outside that window, insurers in most situations can use medical underwriting, which may mean higher prices or denial. That is why the six-month period is such an important date on the calendar for anyone approaching Medicare eligibility.

What happens in Utah if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 8 Medicare Advantage plans offered in Utah in 2026 are not being offered anywhere in the state in 2027. If you are in one of those plans, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting, within the timeframes Medicare sets.

Guaranteed-issue rights also apply in other situations, such as losing certain employer or union coverage. The exact plan letters available under a guaranteed-issue right, and the deadlines for using it, are described on Medicare.gov and through 1-800-MEDICARE.

Does Medigap in Utah cover prescription drugs?

No. Medigap sold today does not include prescription drug coverage, so people on Original Medicare in Utah who want drug coverage pick a stand-alone Part D plan separately. Annual Enrollment for 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.

A few 2027 Part D figures are set nationally: the out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the base beneficiary premium used in the late-enrollment penalty is $41.33. Plan-level premiums and drug lists vary and are shown in the Medicare Plan Finder.

How should someone in Utah compare Medigap policies?

Start by picking a plan letter, since the federally standardized benefits inside a letter are the same across insurers in Utah. From there, the useful comparisons are price for the same letter, how the insurer sets rate increases over time, customer service, and billing options.

The Medicare Plan Finder at medicare.gov lets you see the insurers listed for your ZIP code and request details. Because what is sold can differ by ZIP code and by age, sex and tobacco use, two neighbors can see different quotes for the same plan letter.

Where can Utah readers get free Medicare help?

Free, personalized help is available from Medicare itself. The Medicare Plan Finder at medicare.gov lets you compare Medigap, Part D and Medicare Advantage options for your ZIP code, and 1-800-MEDICARE is staffed around the clock to answer questions about enrollment periods, guaranteed-issue rights and standardized plan letters.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, a figure that will show up on benefit notices many Utahns receive this fall.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

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 Period (Open Enrollment)Anyone 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.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

How many Medigap insurers are listed for Utah on Medicare.gov for 2027?
Medicare.gov's Medigap policy search for ZIP code 84101 lists 23 insurers selling Medigap in Utah, offering a mix of plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. What any individual sees can differ by ZIP code and by age, sex and tobacco use.
Can I be turned down for Medigap in Utah because of my health?
During your six-month Medigap Open Enrollment Period, which starts when you are 65 or older and enrolled in Part B, insurers must sell you any Medigap plan they offer regardless of health. Outside that window, and outside guaranteed-issue situations, insurers in most cases can use medical underwriting.
My Medicare Advantage plan in Utah is not returning in 2027 — what are my options?
8 Medicare Advantage plans offered in Utah in 2026 are not being offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. You can also pick a different Medicare Advantage plan or return to Original Medicare with a Part D plan; Medicare.gov and 1-800-MEDICARE can walk you through the deadlines.
Does Medigap in Utah include Part D drug coverage?
No. Medigap sold today does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage that starts January 1, 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 23 insurers and plan letters listed for ZIP code 84101.
  • CMS Landscape Source File: the count of 8 Medicare Advantage plans offered in Utah in 2026 and not offered anywhere in the state in 2027.
  • Medicare.gov: the Annual Enrollment 2027 dates, the Medigap Open Enrollment Period rules, and guaranteed-issue rights.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), maximum Part D deductible ($700), and base beneficiary premium ($41.33).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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