Medicare in Utah

Medicare enrollment in Utah

As of February 2026, there were 484,788 people with Medicare in Utah.¹

Most Medicare beneficiaries are eligible for coverage because they’re at least 65 years old. But younger people gain Medicare eligibility if they have end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), or after they’ve been receiving disability benefits for 24 months. In Utah, about 9% of Medicare beneficiaries are under 65,¹ which is similar to the nationwide average.²

• Read about Medicare’s open enrollment period and other important enrollment deadlines.
• Learn how Utah’s Medicaid program can provide assistance to Medicare beneficiaries with limited income and assets.

Medicare Advantage plan availability and enrollment in Utah

As of February 2026, Medicare Advantage plans covered more than half (55%) of the state’s total Medicare population.³

Medicare Advantage plans are available throughout Utah in 2026, but availability varies by county.⁴ The average Medicare beneficiary in Utah can choose from among 25 Medicare Advantage plans in 2026.⁵

Learn more about Medicare Advantage, Medicare’s annual open enrollment period, and the Medicare Advantage open enrollment period.

Sources: Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings, KFF.org, Dec. 9, 2025; Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Medicare supplement (Medigap) plan availability in Utah

According to AHIP, 81,726 Utah residents were enrolled in Medigap plans in 2023,⁶ to supplement their Original Medicare coverage.

Learn how Medigap plans are regulated and standardized.

The Utah Insurance Department offers a Medigap plan comparison tool that allows residents to view available plans and premiums. Twenty-three insurers offered Medigap policies in Utah as of 2026.⁷

Federal rules only ensure guaranteed-issue access to Medigap coverage during a person’s initial six-month enrollment window (starting when they’re at least 65 and enrolled in Medicare Part A and B), and during limited special enrollment periods. Federal rules do not provide any sort of annual Medigap enrollment window. Federal rules also do not ensure access to Medigap policies for beneficiaries under the age of 65.

Utah’s Medigap birthday rule

States can go beyond the federal minimums, by establishing additional enrollment and plan change opportunities. Several states have implemented Medigap “birthday rules” to provide an annual plan change opportunity, and Utah joined them in 2025.

Under legislation that took effect in May 2025, Utah Medigap enrollees have an annual 60-day window, starting on their birthday, when they can enroll in a plan with equal or lesser benefits, offered by their current insurer.⁸

So, for example, a person with Medigap Plan F can use their birthday enrollment window to switch to Plan G from the same insurer they already use. But the limitation on staying with the same insurer is more restrictive than the limits imposed by most other states that have created plan change windows linked to enrollees’ birthdays.

No Medigap plans available for beneficiaries under age 65

Although Utah now ensures at least a limited amount of plan change flexibility for people with Medigap, the state does not require Medigap insurers to offer coverage to Medicare beneficiaries who are under age 65.

But as of June 2026, according to Medicare’s plan finder tool, one insurer (First Health Life & Health Insurance Company) was offering Medigap policies to Medicare beneficiaries under age 65 in Utah.⁹

The majority of the states have taken action to require Medigap insurers to make at least some plans available to people who are under 65 and eligible for Medicare due to a disability. But Utah is not among them.

The Utah Insurance Department reported that as of 2022, only 1.3% of all Medigap enrollees in Utah were under the age of 65.¹⁰ The Insurance Department’s report noted that the low enrollment among people under age 65 was likely because Utah does not require Medigap insurers to make their products available to people under the age of 65.

In 2021, the Utah Insurance Department submitted a recommendation to the legislature that the state should enact legislation to require Medigap insurers to offer their policies to disabled Medicare beneficiaries.¹¹  A bill was introduced in the Utah legislature for this purpose in 2026, but it did not advance.¹²

Learn what Medigap covers, who’s eligible for Medigap and when you can enroll.

Medicare Part D plan availability and enrollment in Utah

In 2026 in Utah, there are 10 stand-alone Medicare Part D plans for sale, with premiums starting at $0 per month.¹³

As of February 2026, 141,012 Medicare beneficiaries in Utah had stand-alone Medicare Part D prescription drug plans.³ But even more – 248,855 – had Part D prescription drug plans as part of their Medicare Advantage plans.¹⁴

Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll.

Source: Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Resources for Medicare beneficiaries in Utah

Need help with your Medicare application in Utah, or have questions about Medicare eligibility in Utah? These resources provide free assistance and information.

• Contact the Utah Senior Health Insurance Information Program (SHIP), for questions about Medicare coverage in Utah.
• Visit the Utah Insurance Department
• Learn how Medicaid helps Medicare beneficiaries who have limited income and assets.
• Go to the Medicare Rights Center website, which provides helpful content geared to Medicare beneficiaries, caregivers, and professionals.