Detailed articles with real plan-year figures, comparison tables and the concrete answers people search for — written for the counties we serve, not for a generic reader.
Medicare Open Enrollment for 2027 runs 15 October to 7 December. Utah has fewer Medicare Advantage plans than last year, a higher Part D deductible and cap, and noticeably fewer choices in Morgan and Box Elder counties. Here is what changed, what you can and cannot do in the window, and a seven-step checklist.
Medicare Open Enrollment for 2027 runs 15 October – 7 December 2026. Changes you make take effect 1 January 2027.
Utah has 51 Medicare Advantage plans for 2027, down from 55, and the average monthly MA premium falls from $9.59 to $9.16 (CMS Utah fact sheet).
Open Enrollment for 2027 Marketplace coverage starts 1 November. The enhanced tax credits are gone, the 400% income cliff is back, and a 60-year-old in Weber County faces a benchmark silver premium of $1,311.69 a month. Here are the dates, the IRS table and the county prices, with the arithmetic shown.
Open Enrollment on HealthCare.gov starts 1 November 2026. Enroll by 15 December for coverage that starts 1 January 2027. The window is currently scheduled to close 15 January, but that date is under appeal.
The enhanced premium tax credits expired on 31 December 2025. For 2027 the IRS table runs from 2.15% to 10.22% of income, and above 400% of the poverty level there is no credit at all.
The 2027 CMS plan files show fewer Medicare Advantage plans in all five of our counties, with the sharpest drops in Morgan and Box Elder. Here is what changed county by county, how to tell whether your own plan is ending or just changing, and the dates that protect you.
Utah goes from 55 to 51 Medicare Advantage plans statewide for 2027, according to the CMS Utah fact sheet of 28 September 2026.
Non-SNP plan counts in the CMS landscape files: Weber 25 → 24, Davis and Salt Lake 31 → 28, Morgan 24 → 16, Box Elder 18 → 12.
The Part D deductible rises to $700 and the out-of-pocket cap to $2,400 in 2027. Utah drops from ten stand-alone drug plans to eight, two plans are gone, and premiums moved by as much as $105.40 a month. Here are the numbers, plan by plan, and the arithmetic that turns them into a yearly cost.
The standard Part D deductible rises from $615 to $700 in 2027, and the annual out-of-pocket cap rises from $2,100 to $2,400. After the cap, covered drugs cost $0 for the rest of the year (CMS CY2027 Rate Announcement).
Utah has 8 stand-alone Part D plans for 2027, down from 10. SilverScript Choice and HealthSpring Extra Rx are not in the 2027 Utah file, so members of those plans should plan on choosing a new drug plan by 7 December.
The most common Medicare regret in Utah is not a premium. It is finding out in January that the doctor you have seen for ten years is not in your new plan. Here is how to check a network properly, for the right plan and the right year, before you enroll.
In 2026, Weber County had 25 Medicare Advantage plans (not counting special needs plans): 15 PPO, 5 HMO-POS and 5 HMO. Each plan can have its own network, even when two plans share a carrier's name.
Box Elder County had 18 plans in 2026 — 13 PPO and 5 HMO-POS, and no plain HMO — and Morgan County had 24. Fewer plans means fewer fallbacks if your doctor is not in the one you like.
Every September, Medicare Advantage and Part D members get a letter that describes next year's plan. Most people file it unread. It is the one document that tells you, in your own plan's words, what will cost more on 1 January. Here is how to read it in twenty minutes.
Your plan must get the Annual Notice of Change to you by 30 September. The changes in it take effect 1 January 2027, and your window to act on them is 15 October to 7 December.
The standard Part D deductible rises from $615 to $700 for 2027, and the annual out-of-pocket cap on covered drugs rises from $2,100 to $2,400. Your plan's own deductible can be lower, and the letter shows which applies to you.
Reviewed September 16, 2026
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