The most-enrolled plan
Enrollment reflects brand recognition and years in the market, not whether a plan suits you. The most popular plan in the county may not cover your doctor.
Davis County, Utah
Medicare & health insurance solutions in Davis County, Utah
From Bountiful to Layton, Davis County households have been part of Sarah's practice since 2009 — Medicare for those turning 65, and Marketplace coverage for everyone building their own.
NPN 14943086
Book a call 435-292-8777Speak with a licensed insurance agent · TTY 711
- 31 Medicare Advantage plans for 2026
- 17 Special Needs Plans
- 7 Organizations offering plans
By the numbers
Medicare in Davis County, by the numbers
Every plan figure comes from the CMS Landscape file for contract year 2026. Special Needs Plans are counted separately.
- $4.65 Average monthly Part C premium
- $19.86 Average consolidated Part C + D
- 24 Plans with drug coverage
- $3,500 Lowest in-network out-of-pocket max
- $6,122 Average out-of-pocket max
- $9,250 Highest out-of-pocket max
- $472.71 Average Part D deductible (MA-PD)
- 3.88★ Average CMS star rating
- 14 Plans rated 4★ or higher
Premiums vary by plan. The premium figures use the Part C premium, which is the CMS convention for comparing plans. The consolidated Part C + D premium is higher and is shown separately above.
What Medicare costs in 2026
- $202.90 Standard Part B premium (2026)
- $283 Part B annual deductible
- $38.99 Part D national base premium
- 20% Original Medicare coinsurance, with no annual cap
Before you compare
How to read a plan list
Four things people misread when looking at any plan table, including the ones on this page.
The lowest-premium plan
Premiums vary by plan, and the premium is only one cost. You still pay the Part B premium, plus copays and coinsurance up to the plan’s out-of-pocket maximum.
The highest-star plan
CMS stars measure plan quality in aggregate — service, complaints, clinical measures. They do not tell you whether your drugs are on the formulary or your clinic is in network.
The plan a neighbor chose
A plan that works for a friend or neighbor reflects their doctors, prescriptions and budget, not yours. Compare with your own list in hand.
Plans available
Medicare Advantage plans in Davis County
Grouped by plan type, because type decides how the network behaves: HMOs expect referrals and in-network care, PPOs let you go outside at a higher cost.
PPO
21 plans · premiums vary by plan · average premium $6.86 · average out-of-pocket max $6,393 · 5 without drug coverage
| Plan | Stars | Part C premium | Part C + D | Out-of-pocket max | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC UT-0008 (PPO) UnitedHealthcare | 4.5★ | $0 | $0 | $6,700 | $520 | H2001_128 |
| AARP Medicare Advantage Giveback from UHC UT-9 (PPO) UnitedHealthcare | 4.5★ | $0 | $0 | $8,900 | $600 | H2001_131 |
| Aetna Medicare Eagle (PPO) Aetna Medicare · no drug coverage | 4.5★ | $0 | — | $6,500 | — | H5521_351 |
| Aetna Medicare Elite (PPO) Aetna Medicare | 4.5★ | $0 | $0 | $5,500 | $615 | H5521_246 |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare | 4.5★ | $0 | $0 | $5,900 | $615 | H5521_654 |
| Aetna Medicare Value Plus (PPO) Aetna Medicare | 4.5★ | $0 | $37.60 | $5,500 | $615 | H5521_414 |
| Humana Full Access H7617-025 (PPO) Humana | 4.5★ | $0 | $29 | $5,500 | $615 | H7617_025 |
| Humana USAA Honor Giveback (PPO) Humana · no drug coverage | 4.5★ | $0 | — | $9,150 | — | H7617_021 |
| Humana Value Choice H7617-032 (PPO) Humana | 4.5★ | $0 | $0 | $5,800 | $615 | H7617_032 |
| HumanaChoice H7617-016 (PPO) Humana | 4.5★ | $61.70 | $87 | $6,750 | $615 | H7617_016 |
| Humana Essentials Plus Giveback H5216-430 (PPO) Humana | 3.5★ | $0 | $0 | $5,495 | $615 | H5216_430 |
| Humana USAA Honor Giveback (PPO) Humana · no drug coverage | 3.5★ | $0 | — | $5,100 | — | H5216_455 |
| Humana USAA Honor Giveback (PPO) Humana · no drug coverage | 3.5★ | $0 | — | $9,150 | — | H5216_427 |
| Humana Value Choice H5216-456 (PPO) Humana | 3.5★ | $0 | $0 | $5,800 | $615 | H5216_456 |
| HumanaChoice H5216-048 (PPO) Humana | 3.5★ | $17.70 | $87 | $6,750 | $615 | H5216_048 |
| Regence MedAdvantage + Rx Classic (PPO) Regence BlueCross BlueShield of Utah | 3.5★ | $11.30 | $46 | $6,200 | $495 | H4605_002 |
| Regence MedAdvantage + Rx Enhanced (PPO) Regence BlueCross BlueShield of Utah | 3.5★ | $53.30 | $135 | $5,000 | $200 | H4605_004 |
| Regence Valiance (PPO) Regence BlueCross BlueShield of Utah · no drug coverage | 3.5★ | $0 | — | $4,500 | — | H4605_001 |
| HealthSpring True Choice (PPO) HealthSpring | 3.0★ | $0 | $0 | $5,300 | $200 | H7849_029 |
| DEVOTED CHOICE 001 UT (PPO) Devoted Health | Not rated | $0 | $0 | $5,500 | $375 | H4473_001 |
| DEVOTED CHOICE GIVEBACK 002 UT (PPO) Devoted Health | Not rated | $0 | $0 | $9,250 | $605 | H4473_002 |
HMO-POS
5 plans · premiums vary by plan · average premium $0 · average out-of-pocket max $5,400 · 1 without drug coverage
| Plan | Stars | Part C premium | Part C + D | Out-of-pocket max | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC UT-4 (HMO-POS) UnitedHealthcare | 4.0★ | $0 | $0 | $5,200 | $440 | H4604_011 |
| AARP Medicare Advantage Extras UT-7 (HMO-POS) UnitedHealthcare | 4.0★ | $0 | $0 | $6,700 | $520 | H4604_018 |
| AARP Medicare Advantage from UHC UT-0003 (HMO-POS) UnitedHealthcare | 4.0★ | $0 | $55 | $4,900 | $440 | H4604_003 |
| AARP Medicare Advantage Patriot No Rx UT-MA01 (HMO-POS) UnitedHealthcare · no drug coverage | 4.0★ | $0 | — | $6,700 | — | H4604_005 |
| HealthSpring Premier (HMO-POS) HealthSpring | 3.5★ | $0 | $0 | $3,500 | $200 | H0439_024 |
HMO
5 plans · premiums vary by plan · average premium $0 · average out-of-pocket max $5,705 · 1 without drug coverage
| Plan | Stars | Part C premium | Part C + D | Out-of-pocket max | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Signature (HMO) Aetna Medicare | 3.5★ | $0 | $0 | $5,000 | $615 | H8649_013 |
| Select Health Medicare + Kroger (HMO) Select Health | 3.5★ | $0 | $0 | $6,325 | $200 | H1994_022 |
| Select Health Medicare Essential (HMO) Select Health | 3.5★ | $0 | $0 | $5,500 | $200 | H1994_001 |
| Select Health Medicare NoRx (HMO) Select Health · no drug coverage | 3.5★ | $0 | — | $6,700 | — | H1994_016 |
| Humana Total Complete H2486-003 (HMO) Humana | 3.0★ | $0 | $0 | $5,000 | $200 | H2486_003 |
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Quality
How the stars fall
CMS rates each contract from 1 to 5 stars. Here is how Davis County’s 31 plans are distributed.
- 4.5★ 10 plans (32%)
- 4.0★ 4 plans (13%)
- 3.5★ 13 plans (42%)
- 3.0★ 2 plans (6%)
- Not rated 2 plans (6%)
Health profile
What is common in Davis County
Plan choice follows the conditions you actually have. Here is how Davis County compares with the Utah average.
| Condition | Davis County | Utah average | Difference |
|---|---|---|---|
| Diagnosed diabetes | 8.2% | 8.52% | -0.32 pts |
| High blood pressure | 26.9% | 27.35% | -0.45 pts |
| Obesity | 32.7% | 30.96% | +1.74 pts |
| Coronary heart disease | 4.5% | 4.66% | -0.16 pts |
| COPD | 4.2% | 4.59% | -0.39 pts |
| Adults under 65 without insurance | 8.8% | 10.47% | -1.67 pts |
CDC PLACES: Local Data for Better Health, County Data (2023 release, retrieved 2026-09-14). Model-based small-area estimates of crude prevalence among adults 18 and over — not a count of local diagnoses.
Special needs
17 Special Needs Plans in Davis County
An SNP is a Medicare Advantage plan limited to people who meet a specific condition. They are excluded from the counts above because not everyone can join one.
D-SNP — 12 plans
For people who have both Medicare and Medicaid.
| Plan | Type | Stars | Premium | Out-of-pocket max | Plan ID |
|---|---|---|---|---|---|
| UHC Dual Complete UT-V001 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | 4.5★ | $17.40 | $5,200 | H2001_048 |
| Aetna Medicare Full Dual (PPO D-SNP) Aetna Medicare | PPO D-SNP | 4.5★ | $23.40 | $9,250 | H5521_398 |
| Humana Dual Select H7617-039 (PPO D-SNP) Humana | PPO D-SNP | 4.5★ | $27.90 | $9,250 | H7617_039 |
| HumanaChoice SNP-DE H7617-038 (PPO D-SNP) Humana | PPO D-SNP | 4.5★ | $29.70 | $9,250 | H7617_038 |
| UHC Dual Complete UT-S001 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | 4.5★ | $37.60 | $9,250 | H2001_047 |
| UHC Dual Complete UT-S2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | 4.0★ | $37.60 | $9,250 | H4604_026 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare | HMO D-SNP | 3.5★ | $14.80 | $9,250 | H8649_010 |
| HumanaChoice SNP-DE H5216-296 (PPO D-SNP) Humana | PPO D-SNP | 3.5★ | $16.90 | $9,250 | H5216_296 |
| Select Health Medicare Dual (HMO D-SNP) Select Health | HMO D-SNP | 3.5★ | $37.60 | $8,850 | H1994_015 |
| Molina Medicare Complete Care Select (HMO D-SNP) Molina Healthcare of Utah & Idaho | HMO D-SNP | 3.0★ | $0 | $9,250 | H5628_012 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Utah & Idaho | HMO D-SNP | 3.0★ | $18.30 | $9,250 | H5628_001 |
| DEVOTED DUAL CHOICE FULL 004 UT (PPO D-SNP) Devoted Health | PPO D-SNP | Not rated | $34.40 | $9,250 | H4473_004 |
C-SNP — 3 plans
For people with specific qualifying chronic conditions.
| Plan | Type | Stars | Premium | Out-of-pocket max | Plan ID |
|---|---|---|---|---|---|
| UHC Complete Care UT-6 (HMO-POS C-SNP) UnitedHealthcare · Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 4.0★ | $0 | $5,200 | H4604_017 |
| DEVOTED C-SNP CHOICE PLUS 007 UT (PPO C-SNP) Devoted Health · Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | PPO C-SNP | Not rated | $37.60 | $9,250 | H4473_007 |
| DEVOTED C-SNP CHOICE PREMIUM 003 UT (PPO C-SNP) Devoted Health · Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | PPO C-SNP | Not rated | $37.60 | $5,800 | H4473_003 |
I-SNP — 2 plans
For residents of long-term care facilities, or people who need that level of care at home.
| Plan | Type | Stars | Premium | Out-of-pocket max | Plan ID |
|---|---|---|---|---|---|
| UHC Nursing Home Plan UT-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | 4.5★ | $37.60 | $9,250 | H0710_051 |
| American Health Advantage of Utah (HMO I-SNP) American Health Advantage of Utah | HMO I-SNP | Not rated | $37.60 | $9,250 | H4232_001 |
Prescription drugs
Standalone Part D plans in Utah
Part D is priced regionally rather than by county, so these 10 plans apply across Utah. They pair with Original Medicare, or with a Medicare Advantage plan that does not include drug coverage.
| Plan | Monthly premium | Annual deductible | Stars | Plan ID |
|---|---|---|---|---|
| Humana Basic Rx Plan (PDP)Humana | $0 | $615 | Not rated | S5884_147 |
| Wellcare Value Script (PDP)Wellcare | $9.60 | $615 | Not rated | S4802_162 |
| Humana Value Rx Plan (PDP)Humana | $19.40 | $601 | Not rated | S5884_210 |
| Wellcare Classic (PDP)Wellcare | $23.70 | $615 | Not rated | S4802_021 |
| SilverScript Choice (PDP)Aetna Medicare | $27.70 | $615 | Not rated | S5601_062 |
| HealthSpring Extra Rx (PDP)HealthSpring | $56.30 | $615 | Not rated | S5617_381 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare | $56.50 | $615 | Not rated | S5921_375 |
| Humana Premier Rx Plan (PDP)Humana | $115.50 | $0 | Not rated | S5884_177 |
| HealthSpring Assurance Rx (PDP)HealthSpring | $128.60 | $615 | Not rated | S5617_153 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare | $132.60 | $130 | Not rated | S5921_412 |
What you actually pay depends on whether you receive Extra Help (the low-income subsidy) and whether you carry a late-enrollment penalty. Sarah checks both before recommending a plan.
The other path
Medigap in Davis County
Every plan on this page is either Medicare Advantage or Part D. There is a second, completely different path: stay on Original Medicare and add a supplement policy — Medigap — plus a separate Part D plan.
Medigap has no network: if a provider takes Medicare, they take your Medigap. It does not include drugs. In exchange for a higher monthly premium, your costs are far more predictable.
The timing thing to know: you get a 6-month Medigap open enrollment window that starts when you are 65 and enrolled in Part B. Inside that window no carrier can turn you down or charge you more for your health history. Outside it, in most cases they can.
When you can change
Enrollment periods
And which Davis County communities are covered: Layton, Bountiful, Kaysville, Farmington, Clearfield, Syracuse, Centerville, Clinton, Woods Cross, North Salt Lake.
Initial Enrollment Period
The 7 months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment Period (AEP)
October 15 to December 7. Change plans for the following year; coverage starts January 1.
Medicare Advantage Open Enrollment
January 1 to March 31. If you are already in a Medicare Advantage plan, you get one switch.
Special Enrollment Periods
Moving, losing employer coverage, becoming eligible for Medicaid and other events open a window outside the normal calendar.
A plan being available in Davis County does not guarantee that every provider in the county participates in it. Networks get checked plan by plan, with your own list of doctors in hand.
CUPS Insurance is a new agency, but Sarah is not a new agent. Licensed since 2009, she has spent those years helping Northern Utah households — Davis County very much included — understand Medicare, Marketplace and individual health insurance solutions without the jargon.
Davis County splits fairly evenly between two conversations. There is the Medicare conversation, driven by people turning 65 or reviewing an Advantage plan that changed underneath them. And there is the Marketplace conversation, driven by Hill Air Force Base contractors, self-employed households and early retirees bridging the years before Medicare eligibility.
Both conversations turn on the same detail work: which plans keep your doctors, how your prescriptions are priced, and — for Marketplace households — whether the income estimate driving your tax credit is realistic. Sarah does that work before you enroll, and she is the person you call in March when something does not go the way the brochure said.
Davis County is a short drive from the Ogden office, and appointments are handled by phone, video or in person in Ogden depending on what suits you. Same agent either way.
Browse the plans
See the Davis County plans
The same portals Sarah uses, open for you to look through on your own. No pressure, and she is still there when you want to talk it through.
Browse Medicare plansCompare the Medicare Advantage, Part D and Supplement plans available in your ZIP code, against your own drugs and doctors.Via Sunfire · NPN 14943086Browse Marketplace plansSee ACA/Obamacare plans for your household, with the premium tax credit applied, before you decide anything.Via RetireFlo · NPN 14943086
Opens in a new tab, in Sarah’s secure quoting portal. You can stop at any point and call her instead.
Services
Insurance solutions in Davis County
Carriers we work with
Carriers we compare
Availability is set county by county — these are the carriers Sarah represents.
Medicare carriers
- Devoted Health
- HealthSpring (Cigna)
- Humana
- Molina
- SelectHealth
- UnitedHealthcare
ACA & health — Utah
- SelectHealth
- Molina Healthcare of Utah
- University of Utah Health Plans
- Regence BlueCross BlueShield of Utah
ACA & health — Arizona
- Blue Cross Blue Shield of Arizona
- Ambetter from Arizona Complete Health
- Cigna HealthCare of Arizona, Inc.
- Oscar Health Plan
- UnitedHealthcare
FAQ
Davis County — common questions
How many Medicare Advantage plans are available in Davis County?
For contract year 2026 there are 31 Medicare Advantage plans available to Davis County residents, from 7 different organizations. Premiums vary by plan. Separately there are 17 Special Needs Plans, which have their own eligibility requirements.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
What else do I pay besides a Medicare Advantage plan premium?
Premiums vary by plan, and whatever the plan premium, you still pay the Part B premium ($202.90 a month in 2026), plus the plan’s copays and coinsurance up to its out-of-pocket maximum. In Davis County that in-network maximum ranges from $3,500 to $9,250 depending on the plan.
Which carriers offer plans in Davis County?
For 2026 the organizations offering Medicare Advantage plans in Davis County are: Aetna Medicare, Devoted Health, HealthSpring, Humana, Regence BlueCross BlueShield of Utah, Select Health, UnitedHealthcare.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
What are Special Needs Plans, and are there any in Davis County?
An SNP is a Medicare Advantage plan limited to people who meet a specific condition. There are 17 in Davis County: 12 D-SNP, 3 C-SNP, 2 I-SNP. D-SNPs are for people with both Medicare and Medicaid, C-SNPs for specific chronic conditions, and I-SNPs for residents of long-term care facilities.
What do the CMS star ratings mean?
CMS rates each contract from 1 to 5 stars on customer service, complaints and clinical measures. In Davis County the average is 3.88★, and 14 of the 31 plans are rated 4★ or higher. Stars do not tell you whether your doctor is in network or your drugs are covered — that gets checked plan by plan.
How many standalone Part D plans are there in Utah?
10 for 2026. Part D plans are priced regionally rather than by county, so the same list applies across Utah. They pair with Original Medicare, or with a Medicare Advantage plan that does not include drug coverage.
Which health conditions are most common in Davis County?
According to CDC PLACES data (2023), in Davis County diagnosed diabetes runs at 8.2%, high blood pressure runs at 26.9%, obesity runs at 32.7%. This matters when picking a plan because it decides which specialists and which drugs you need covered.
CDC PLACES: Local Data for Better Health, County Data (2023 release, retrieved 2026-09-14). Model-based small-area estimates of crude prevalence among adults 18 and over — not a count of local diagnoses.
Do you work with clients in Davis County?
Yes. Sarah has been helping Davis County households with Medicare and health insurance since 2009. Appointments are handled by phone or video, or in person at the Ogden office if that suits you.
What does it cost?
Nothing. Carriers pay a commission when a plan is issued, and that commission is built into the plan price whether you use an agent or not. Buying the same plan directly does not make it cheaper.
Provenance
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape file, contract year 2026, filtered to Davis County (FIPS 49011). Retrieved 2026-09-14.
- Health data: CDC PLACES: Local Data for Better Health, County Data (2023 release, retrieved 2026-09-14). Model-based small-area estimates of crude prevalence among adults 18 and over — not a count of local diagnoses.
- Federal figures: Plan-year 2026 premiums and deductibles published by CMS.
How the figures are derived
- Plan counts and averages exclude Special Needs Plans, which are reported in their own section, because they carry their own eligibility requirements.
- Premiums vary by plan. The "average premium" figures use the Part C premium. The consolidated Part C + D premium is reported separately and is higher.
- Out-of-pocket maximums are the in-network amounts. The average Part D deductible covers only plans that include drug coverage.
- CDC PLACES prevalence figures are model-based small-area estimates for adults 18 and over, not counts of local diagnoses. State averages are weighted by adult population.
- We do not publish per-plan enrollment figures: our data source does not carry them, and we do not estimate plan figures.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
CUPS Insurance is not connected with or endorsed by the United States government or the federal Medicare program.
Areas We Serve
We also serve these counties
These counties have a full guide, but they are not the limit: Sarah works with clients throughout Utah and is licensed in Utah, Arizona, Idaho. If your household crosses county or state lines, it is still the same agent.
Weber County
Ogden · Roy · North Ogden · South Ogden · Riverdale · Pleasant View
25 MA plans In-person meetings available
Morgan County
Morgan · Mountain Green · Croydon · Porterville
24 MA plans
Salt Lake County
Salt Lake City · West Valley City · West Jordan · Sandy
31 MA plans
Box Elder County
Brigham City · Tremonton · Perry · Willard
18 MA plans
Grab a cup — let's talk about Davis County
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086