Let's set the stage
We wrote these guides because the same questions come up on almost every call: When do I sign up? What will it cost? Will I get a penalty? Each guide answers one of those questions with current numbers from CMS and Medicare.gov, and each one tells you what is not known yet when the government has not published it. Start wherever you are.
New to Medicare? Start here
- Medicare 101: the parts of Medicare and how they fit together.
- Medicare eligibility: who qualifies, at 65 and before 65.
- Turning 65 Medicare checklist: a month by month list so nothing is missed.
Signing up
- How to enroll in Medicare: step by step, online, by phone or in person.
- Medicare enrollment periods: every window and date in one table.
- Medicare late enrollment penalties: how the Part A, B and D penalties are figured and how to avoid them.
Costs and drug coverage
- Medicare costs in 2027: premiums, deductibles, IRMAA and Utah plan ranges, with 2026 for comparison.
- Part D changes for 2027: the $700 deductible, the $2,400 cap and newly negotiated drug prices.
- Medicare vs Medicaid: dual eligibility, Medicare Savings Programs and Extra Help in Utah.
Under 65
- ACA Marketplace in Utah: 2027 Open Enrollment dates and who gets subsidies now.
- Short-term medical vs ACA: an honest look at who each one fits.
Quick answers
Short answers to the questions we hear most, such as 2027 Open Enrollment dates, the 2027 Part D cap and whether Medicare covers dental in Utah. See them all on the answers page.
Key numbers at a glance
| Item | 2027 | 2026, for comparison | Source |
|---|---|---|---|
| Part D maximum deductible | $700 | $615 | CMS CY 2027 Rate Announcement |
| Part D out-of-pocket cap | $2,400 | $2,100 | CMS CY 2027 Rate Announcement |
| Part B standard premium | Pending; CMS publishes these in November | $202.90 a month | CMS |
| Part B deductible | Pending; CMS publishes these in November | $283 | CMS |
| Part A hospital deductible | Pending; CMS publishes these in November | $1,736 per benefit period | CMS |
| Medicare Open Enrollment for 2027 | October 15 to December 7, 2026 | Medicare.gov | |
| Utah Medicare Advantage plans (non special needs) | 33 statewide, 18 with a $0 plan premium | 38 statewide, 21 with a $0 plan premium | CMS CY2027 and CY2026 landscape files |
Plans by place and by type
For 2027 plan counts in your county, see Medicare in Utah. To compare coverage types, see Medicare Advantage, Medigap, Part D and dental, vision and hearing.
Talk it through
Guides get you most of the way. The last step is matching a plan to your doctors, your prescriptions and your budget. Our office is in Draper and we help people across Utah. Call 801-255-5340 and we will walk through it with you.
Frequently asked questions
Where should I start if I am new to Medicare?
Start with Medicare 101 for how the parts fit together, then the eligibility guide and the turning 65 checklist. They are written for Utah residents and use current CMS numbers.
When is Medicare Open Enrollment for 2027?
October 15 to December 7, 2026. Changes you make take effect January 1, 2027.
Has the 2027 Medicare Part B premium been announced?
Not yet. The 2027 Part B premium and deductible are pending; CMS publishes them in November, and we will update our guides the day they are released. For comparison, the 2026 standard premium was $202.90 a month.
Sources
Updated October 26, 2026 by the Everything Senior Insurance Data Desk.