Davis County Medicare Plans for 2027

Let's set the stage. Davis County, from Bountiful and Centerville up through Farmington, Kaysville, Layton and Clearfield, has about 39,394 residents 65 or older, 10.7% of the county, per the Census Bureau's 2019 to 2023 American Community Survey. It sits between Salt Lake and Weber counties, and its 2027 Medicare Advantage lineup matches Salt Lake County plan for plan.

That gives Davis County residents a wide menu, but it also means a lot of plans that look alike on paper. The differences show up in networks, drug deductibles and out-of-pocket maximums.

Davis County 2027 Medicare plan snapshot

Carriers with standard Medicare Advantage plans in Davis County for 2027: Aetna Medicare, Devoted Health, Humana, Regence BlueCross BlueShield of Utah, Select Health, UnitedHealthcare. Plan types: 4 HMO, 20 PPO, 4 HMO-POS.

Davis County notes from our desk

Military and veteran households. Davis County is home to Hill Air Force Base, and many retirees here have TRICARE For Life or VA care. CMS lists 6 Medicare Advantage plans in Davis County for 2027 that do not include Part D drug coverage. Plans like these are often designed for people who already get drugs through the VA or TRICARE. Do not drop TRICARE For Life or other creditable coverage without checking how it works with the plan first.

Weber County is next door. If you live in north Davis County and use doctors in Ogden, note that Weber County has 24 standard plans for 2027, not 28. Your plan options are set by where you live, but your network has to cover where you go.

Network types in Davis County for 2027 are 4 HMO, 20 PPO, 4 HMO-POS. The county also has 18 special needs plans: 11 for people with both Medicare and Medicaid (D-SNPs), 5 for people with certain chronic conditions such as diabetes or heart disease (C-SNPs), 2 for people who live in a nursing home or need that level of care (I-SNPs).

About the $0 premium plans in Davis County

15 of the 22 non special needs plans with drug coverage in Davis County have a $0 monthly plan premium for 2027. Their in-network out-of-pocket maximums run from $4,700 to $9,850. Let's be real about what $0 means. It means no extra premium to the insurance company. You still pay your Medicare Part B premium (CMS has not announced the 2027 Part B premium yet), and you still pay copays and coinsurance when you use care, up to the plan's out-of-pocket maximum.

Some plans with "Giveback" in the name reduce the amount you pay for Part B. The CMS landscape file we use does not list the giveback dollar amount, so we confirm it from the plan's own documents before we quote it to you.

What 2027 Part D changes mean for Davis County

Two federal numbers apply to every Part D plan in Davis County, whether it is built into a Medicare Advantage plan or sold on its own. CMS set the 2027 standard Part D deductible at $700 (up from $615 in 2026) and the yearly out-of-pocket limit on covered drugs at $2,400 (up from $2,100), in its CY 2027 Rate Announcement. Once your own spending on covered Part D drugs reaches $2,400 in 2027, you pay nothing more for covered drugs the rest of the year.

Plans can set a lower drug deductible than the standard one. In Davis County, the non special needs Medicare Advantage plans with drug coverage carry drug deductibles from $215 to $700. A lower deductible matters most if you fill brand name drugs early in the year.

Here's the thing about drug coverage: the plan that looks cheapest on premium is not always cheapest once your prescriptions are priced. CMS has not published 2027 plan formularies (the lists of which drugs each plan covers and at what tier) in our data yet, so we price your list against each plan when the 2027 formulary data is available, and we tell you which year's data we are using.

How we compare plans with you

1. List your doctors and hospitals. Network is the first filter. An HMO, a PPO and an HMO-POS plan treat out of network care very differently.
2. List your prescriptions with dose and how often you fill them. We price them against the plans that fit your doctors.
3. Plan for a bad year, not just a good one. Compare the out-of-pocket maximum and drug costs, not just the premium.
4. Decide between Medicare Advantage and a Medicare Supplement. A Supplement (Medigap) plus a Part D plan works anywhere that accepts Medicare. We quote Plan G and Plan N from the carriers we represent in Davis County.
5. Enroll by December 7, 2026 for coverage that starts January 1, 2027, during the October 15 to December 7 Open Enrollment Period.

Compare with the rest of the state on our Medicare in Utah page, or read Medicare Advantage and Medigap basics.

Plan counts come from the CMS CY2027 Medicare Advantage and Prescription Drug Plan Landscape (September 2026 release). 2027 star ratings were not in this file.

Updated October 26, 2026 by the Everything Senior Insurance Data Desk.