Let's set the stage. Utah County is the youngest large county in the state. Only 7.8% of residents are 65 or older, but that is still about 53,214 people, according to the Census Bureau's 2019 to 2023 American Community Survey. Many of them moved here to be near children and grandchildren in Lehi, American Fork, Orem, Provo and the south county towns, and a lot of them are learning Utah's Medicare market for the first time.
If that is you, here is the short version: Utah County has the same 2027 Medicare Advantage lineup as Salt Lake and Davis counties, so you have as much choice as anywhere in Utah.
Utah County 2027 Medicare plan snapshot
| 2027 measure (Utah County) | Number |
|---|---|
| Medicare Advantage plans, not counting special needs plans | 28 |
| Of those, plans that include Part D drug coverage | 22 |
| $0 monthly premium plans with drug coverage | 15 |
| Medicare Advantage plans without drug coverage | 6 |
| Special needs plans (D-SNP, C-SNP, I-SNP) | 18 |
| Stand-alone Part D plans (statewide) | 8 |
| Medicare Advantage carriers | 6 |
| Highest combined monthly premium (non-SNP plan with drugs) | $158 |
| In-network out-of-pocket maximum range | $4,700 to $9,850 |
| Plan drug deductible range (non-SNP plans with drugs) | $215 to $700 |
Carriers with standard Medicare Advantage plans in Utah County for 2027: Aetna Medicare, Devoted Health, Humana, Regence BlueCross BlueShield of Utah, Select Health, UnitedHealthcare. Plan types: 20 PPO, 4 HMO-POS, 4 HMO.
Utah County notes from our desk
Moving here counts. If you move into Utah County from another state or another Utah county and your current plan does not cover your new address, Medicare gives you a Special Enrollment Period to pick a new plan. You do not have to wait for Open Enrollment, but the window is limited, so do not let it slide.
Watch your network if you drive north for care. Many Utah County residents see specialists in Salt Lake County. Network types here for 2027 are 20 PPO, 4 HMO-POS, 4 HMO. Check that both your local doctors and any Salt Lake specialists are in network before you choose an HMO.
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 Utah County
15 of the 22 non special needs plans with drug coverage in Utah 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 Utah County
Two federal numbers apply to every Part D plan in Utah 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 Utah 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
- 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.
- List your prescriptions with dose and how often you fill them. We price them against the plans that fit your doctors.
- Plan for a bad year, not just a good one. Compare the out-of-pocket maximum and drug costs, not just the premium.
- 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 Utah County.
- Enroll by December 7, 2026 for coverage that starts January 1, 2027, during the October 15 to December 7 Open Enrollment Period.
Utah County city guides
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.
Frequently asked questions
How many Medicare Advantage plans are available in Utah County for 2027?
28 non special needs Medicare Advantage plans from 6 carriers, plus 18 special needs plans, per the CMS CY2027 landscape file. 15 plans with drug coverage have a $0 monthly premium.
I just moved to Utah County. Can I change my Medicare plan now?
Usually, yes. A move out of your plan's service area, or a move that gives you new plan options, triggers a Special Enrollment Period. We check the timing rules for your move and which plans cover your new address, both for 2027 and for the rest of 2026.
Are Utah County Medicare Advantage plans different from Salt Lake County plans?
For 2027 the plan list is the same in both counties, based on the CMS landscape file. What differs is which doctors and hospitals you use, so the right plan for a Lehi or Provo resident may still be different from the right plan in Salt Lake.
Do I need a Part D plan if I have a Medicare Supplement in Utah County?
If you want drug coverage, yes. Medicare Supplements do not cover prescriptions. Utah has 8 stand-alone Part D plans for 2027, and going without creditable drug coverage can lead to a late enrollment penalty later.
Sources
- CMS: Prescription drug coverage and CY2027 plan landscape files
- US Census Bureau ACS 5-year Data Profile, 2019-2023
- CMS: Announcement of CY 2027 MA Capitation Rates and Part C and Part D Payment Policies (April 6, 2026)
- Medicare.gov: Joining a health or drug plan (enrollment periods)
- Medicare.gov: Special Enrollment Periods
Updated October 26, 2026 by the Everything Senior Insurance Data Desk.