# Medicare Learning Center for Utah: Guides and Answers > Medicare guides for Utah: eligibility, enrollment periods, turning 65, costs, penalties, Part D 2027 changes, Medicaid, ACA and short-term medical. Source: https://eseniorinsurance.com/learn/ Last updated: 2026-10-26 [Home](https://eseniorinsurance.com/) /Medicare Learning Center for Utah: Guides and Answers # Medicare Learning Center for Utah: Guides and Answers This is Everything Senior Insurance's library of plain English Medicare and health insurance guides for Utah. Start with Medicare 101 if you are new, use the turning 65 checklist if your birthday is coming up, and read the 2027 Part D and cost guides before Medicare Open Enrollment, which runs October 15 to December 7, 2026. [Call 801-255-5340](tel:+18012555340) · [Call 801-255-5340](tel:+18012555340) ## 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](https://eseniorinsurance.com/medicare-101/) : the parts of Medicare and how they fit together. - [Medicare eligibility](https://eseniorinsurance.com/learn/medicare-eligibility/) : who qualifies, at 65 and before 65. - [Turning 65 Medicare checklist](https://eseniorinsurance.com/learn/turning-65-medicare-checklist/) : a month by month list so nothing is missed. ## Signing up - [How to enroll in Medicare](https://eseniorinsurance.com/learn/how-to-enroll-in-medicare/) : step by step, online, by phone or in person. - [Medicare enrollment periods](https://eseniorinsurance.com/learn/medicare-enrollment-periods/) : every window and date in one table. - [Medicare late enrollment penalties](https://eseniorinsurance.com/learn/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](https://eseniorinsurance.com/learn/medicare-costs/) : premiums, deductibles, IRMAA and Utah plan ranges, with 2026 for comparison. - [Part D changes for 2027](https://eseniorinsurance.com/learn/part-d-2027-changes/) : the $700 deductible, the $2,400 cap and newly negotiated drug prices. - [Medicare vs Medicaid](https://eseniorinsurance.com/learn/medicare-vs-medicaid/) : dual eligibility, Medicare Savings Programs and Extra Help in Utah. ## Under 65 - [ACA Marketplace in Utah](https://eseniorinsurance.com/learn/aca-marketplace-in-utah/) : 2027 Open Enrollment dates and who gets subsidies now. - [Short-term medical vs ACA](https://eseniorinsurance.com/learn/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](https://eseniorinsurance.com/answers/medicare-open-enrollment-2027-dates/) , [the 2027 Part D cap](https://eseniorinsurance.com/answers/part-d-out-of-pocket-cap-2027/) and [whether Medicare covers dental in Utah](https://eseniorinsurance.com/answers/does-medicare-cover-dental-in-utah/) . See them all on the [answers page](https://eseniorinsurance.com/answers/) . ## 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](https://eseniorinsurance.com/utah/) . To compare coverage types, see [Medicare Advantage](https://eseniorinsurance.com/medicare-advantage/) , [Medigap](https://eseniorinsurance.com/medigap/) , [Part D](https://eseniorinsurance.com/part-d/) and [dental, vision and hearing](https://eseniorinsurance.com/dental-vision-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 1. [CMS fact sheet: 2026 Medicare Parts A and B premiums and deductibles (November 14, 2025)](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles) 2. [CMS: Announcement of CY 2027 MA Capitation Rates and Part C and Part D Payment Policies (April 6, 2026)](https://www.cms.gov/files/document/2027-announcement.pdf) 3. [Medicare.gov: Joining a plan (enrollment periods)](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan) Updated October 26, 2026 by the Everything Senior Insurance Data Desk. ## Keep reading - [Medicare 101](https://eseniorinsurance.com/medicare-101/) - [Who Is Eligible for Medicare? A Plain Guide for Utah](https://eseniorinsurance.com/learn/medicare-eligibility/) - [Medicare Enrollment Periods Explained: Every Window and Date](https://eseniorinsurance.com/learn/medicare-enrollment-periods/) - [How to Enroll in Medicare: Step by Step for Utah](https://eseniorinsurance.com/learn/how-to-enroll-in-medicare/) - [Turning 65 Medicare Checklist: What to Do and When](https://eseniorinsurance.com/learn/turning-65-medicare-checklist/) - [Medicare vs Medicaid in Utah and Dual Eligibility](https://eseniorinsurance.com/learn/medicare-vs-medicaid/) - [Medicare Costs in 2027: Premiums, Deductibles and Part D](https://eseniorinsurance.com/learn/medicare-costs/) - [Medicare Late Enrollment Penalties for Parts A, B and D](https://eseniorinsurance.com/learn/medicare-late-enrollment-penalties/) - [Part D Changes for 2027: What Utah Seniors Should Know](https://eseniorinsurance.com/learn/part-d-2027-changes/) - [ACA Marketplace in Utah: 2027 Open Enrollment and Subsidies](https://eseniorinsurance.com/learn/aca-marketplace-in-utah/) ## Call 801-255-5340 Call 801-255-5340 or reach us online. [Call 801-255-5340](tel:+18012555340) --- Everything Senior Insurance · Draper, UT · [801-255-5340](tel:+18012555340) · info@eseniorins.com · Agency NPN 18240955 We do not offer every plan available in your area. Currently we represent 95 organizations which offer 3,742 plans nationwide. Please contact Medicare.gov or 1-800-MEDICARE. Not connected with or endorsed by the U.S. government or the federal Medicare program. Everything Senior Insurance is a DBA of Christian Brindle Insurance Services.