Let's set the stage. Salt Lake County has 28 Medicare Advantage plans for 2027 that anyone with Parts A and B can join. 22 of them include Part D drug coverage, and 15 of those have a $0 monthly premium. These counts leave out special needs plans, which are only open to people who qualify. The same plan list applies in Utah County and Davis County for 2027.
All 15 $0 premium plans with drug coverage, sorted by out-of-pocket maximum
| Carrier | Plan | Plan ID | Type | In-network out-of-pocket max | Drug deductible |
|---|---|---|---|---|---|
| Humana | Humana Total Complete (HMO) | H2486-003 | HMO | $4,700 | $300 |
| UnitedHealthcare | AARP Medicare Advantage Essentials from UHC UT-4 (HMO-POS) | H4604-011 | HMO-POS | $4,900 | $685 |
| Humana | Humana Value Choice (PPO) | H5216-471 | PPO | $5,000 | $700 |
| Humana | Humana Value Choice (PPO) | H7617-032 | PPO | $5,000 | $700 |
| Select Health | Select Health Medicare Essential (HMO) | H1994-001 | HMO | $5,500 | $700 |
| Humana | Humana Essentials Plus Giveback (PPO) | H5216-430 | PPO | $5,750 | $700 |
| Devoted Health | DEVOTED CHOICE 001 UT (PPO) | H4473-001 | PPO | $6,350 | $650 |
| Aetna Medicare | Aetna Medicare Signature (HMO) | H8649-013 | HMO | $6,350 | $700 |
| Aetna Medicare | Aetna Medicare Elite (PPO) | H5521-246 | PPO | $6,500 | $700 |
| UnitedHealthcare | AARP Medicare Advantage Extras UT-7 (HMO-POS) | H4604-018 | HMO-POS | $6,700 | $685 |
| UnitedHealthcare | AARP Medicare Advantage from UHC UT-0008 (PPO) | H2001-128 | PPO | $7,150 | $685 |
| UnitedHealthcare | AARP Medicare Advantage Giveback from UHC UT-9 (PPO) | H2001-131 | PPO | $7,150 | $215 |
| Aetna Medicare | Aetna Medicare Signature (PPO) | H5521-654 | PPO | $7,150 | $700 |
| Devoted Health | DEVOTED CHOICE GIVEBACK EXTRAS 014 UT (PPO) | H4473-014 | PPO | $8,000 | $700 |
| Devoted Health | DEVOTED CHOICE GIVEBACK 002 UT (PPO) | H4473-002 | PPO | $9,850 | $461 |
By carrier: Humana (4), UnitedHealthcare (4), Devoted Health (3), Aetna Medicare (3), Select Health (1). Source: CMS CY2027 Medicare Advantage and Prescription Drug Plan Landscape, September 2026 release. 2027 star ratings were not in this file.
How to read this table
- Out-of-pocket maximum is the most you pay in a year for covered in-network medical care. The lowest here is $4,700 (Humana Total Complete (HMO)). The highest is $9,850, more than double.
- Drug deductible is what you pay for some drugs before the plan starts sharing costs. Several plans have the full $700 standard deductible for 2027. Most plans exempt some tiers, often generics, from the deductible.
- Plan type tells you how the network works. HMO plans generally require in-network care except emergencies. HMO-POS plans allow some out of network care. PPO plans pay something out of network, usually at a higher cost.
- "Giveback" plans reduce what you pay for Part B. The CMS landscape file does not list the giveback amount, so we confirm it from the plan's documents before quoting it.
$0 premium plans without drug coverage
CMS also lists 6 Salt Lake County Medicare Advantage plans for 2027 with a $0 plan premium and no Part D coverage. These are often aimed at veterans and others with VA or TRICARE drug coverage. If you do not have other creditable drug coverage, skipping Part D can lead to a late enrollment penalty.
| Carrier | Plan | Plan ID | Type | In-network out-of-pocket max |
|---|---|---|---|---|
| Humana | Humana USAA Honor Giveback (PPO) | H7617-021 | PPO | $9,150 |
| Aetna Medicare | Aetna Medicare Eagle (PPO) | H5521-351 | PPO | $6,500 |
| Humana | Humana USAA Honor Giveback (PPO) | H5216-455 | PPO | $5,100 |
| Humana | Humana USAA Honor Giveback (PPO) | H5216-427 | PPO | $9,150 |
| UnitedHealthcare | AARP Medicare Advantage Patriot No Rx UT-MA01 (HMO-POS) | H4604-005 | HMO-POS | $7,150 |
| Select Health | Select Health Medicare Veterans (HMO) | H1994-016 | HMO | $6,700 |
Here's the thing about $0
A $0 premium is real, but it is not the whole bill. You still pay the Part B premium (the 2027 amount is pending; CMS publishes it in November), plus copays and coinsurance when you use care. A $0 plan with a $9,850 maximum and a $0 plan with a $4,700 maximum are very different in a bad health year. And the plan that covers your doctors and prices your drugs well matters more than any of these numbers.
How to narrow 15 plans to one
- Cross off any plan whose network does not include your doctors and hospital.
- Price your prescriptions on the remaining plans. 2027 formularies are being added to our data now.
- Compare out-of-pocket maximums and the copays you are most likely to use.
- Enroll between October 15 and December 7, 2026 for a January 1, 2027 start.
See the full Salt Lake County Medicare plans for 2027 page for special needs plans and stand-alone Part D options.
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Frequently asked questions
How many $0 premium Medicare Advantage plans are in Salt Lake County for 2027?
15 plans with drug coverage have a $0 monthly premium, per the CMS 2027 landscape file. Another 6 Medicare Advantage plans without drug coverage also have a $0 plan premium.
Which $0 premium plan in Salt Lake County has the lowest out-of-pocket maximum for 2027?
Humana Total Complete (HMO), with an in-network out-of-pocket maximum of $4,700, per the CMS 2027 landscape. The lowest maximum is only one factor; network and drug costs matter more for most people.
Do I still pay the Part B premium with a $0 Medicare Advantage plan?
Yes. You must keep Part A and Part B and keep paying your Part B premium. Some Giveback plans reduce the Part B amount you pay; confirm the amount in the plan's own documents.
Are the $0 premium plans the same in Utah County and Davis County?
Yes. For 2027, the CMS landscape shows the same Medicare Advantage plan lineup in Salt Lake, Utah and Davis counties.
Sources
Updated October 26, 2026 by the Everything Senior Insurance Data Desk.