Medicare Advantage Plans in Utah 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Utah has about 43 percent of Medicare beneficiaries in Advantage plans. The Salt Lake City and Ogden-Provo corridor has a competitive market. SelectHealth, the insurance affiliate of Intermountain Health, is a major regional carrier with a strong provider network along the Wasatch Front. Rural Utah counties have limited options.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Utah.
Rural Coverage Note
Parts of Utah have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Utah Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Utah
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Utah
Utah's Medigap market is concentrated along the Wasatch Front. Residents in rural southern and eastern Utah, where Advantage networks are limited, often find Medigap provides more reliable and predictable coverage.