Best Medicare Advantage Plans in Utah (2027)

Humana and Regence BlueCross BlueShield of Utah provide the best Medicare Advantage plans in Utah for 2027. Humana has the lowest median maximum annual cost exposure at $5,870. Maximum annual cost exposure is a year of premiums plus the out-of-pocket limit, the most you’d pay for covered in-network care.

Regence holds the only 4.5-star median rating from the Centers for Medicare & Medicaid Services (CMS), Medicare’s 1-to-5 quality score, but sells in four counties.

Geography separates these five insurers more than price. Their median maximum annual costs sit within $830 of each other, yet county reach goes from four to 25. Check which insurers sell in your county, then compare their plans.

*Devoted Health sells three PPO plans in 11 Utah counties, with a median maximum annual cost of $8,000. It isn’t rated because its Utah contract has no CMS star rating or member satisfaction score, so it lacked complete data for scoring.

Utah has 33 Medicare Advantage plans from six insurers in 2027. Medicare Advantage is private coverage you join once you have Original Medicare, the Part A hospital and Part B medical program. A Medicare Supplement plan instead helps pay your share of costs in Original Medicare.

HMOs cover in-network care only, except in emergencies. PPOs add out-of-network doctors at higher copays, and HMO-POS plans cover some out-of-network services. Most plans charge no premium beyond Part B, so the out-of-pocket limit sets most of your worst-case bill.

Two $0 plans can differ by $5,150 in a heavy-care year. We rated five of the six insurers because Devoted Health has no CMS star rating.

Most Utah Medicare Advantage plans cost $0 a month, so copays and out-of-pocket limits decide what you pay once you use care. HMOs have the lowest median out-of-pocket limit at $6,350. PPOs and HMO-POS plans share a $6,700 median limit.

A PPO’s out-of-network coverage adds $350 to a worst-case year at the median, and its $490 daily hospital copay is the lowest of the three plan types. The median primary care copay is $15 for all three. If you expect a hospital stay, compare daily inpatient copays and how many days each plan charges.

*Median cost figures across all 33 Utah Medicare Advantage plans, excluding Special Needs Plans, grouped by plan type. All dollar figures are rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Utah residents can get free Medicare counseling and help paying for coverage through these state and federal resources.

• Utah Senior Health Insurance Information Program (SHIP): Provides free Medicare counseling to help Utah residents compare Medicare Advantage plans and understand enrollment windows. Call 1-800-541-7735 to reach a local counselor.
• Medicare.gov Plan Finder: Lets you compare Medicare Advantage plans in your Utah ZIP code by premium, out-of-pocket costs, drug coverage and CMS star ratings.
• Utah Insurance Department: Licenses and regulates insurance carriers in Utah. Use it to verify a plan's standing or file a complaint about coverage or billing practices.
• Utah Medicare Savings Programs: Helps eligible Utah residents pay Medicare premiums and reduce out-of-pocket costs based on income.
• Social Security Administration: Processes Medicare enrollment for most Utah residents. Apply for Medicare, check enrollment status or set up premium payments through SSA.

MoneyGeek’s 2027 ratings for Utah Medicare Advantage companies pull from five CMS data sources: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

The analysis looks at 33 non-SNP plans from 6 carriers across 10 CMS contracts in Utah’s 29 counties. Special Needs Plans are excluded. To earn a MoneyGeek score, a carrier had to cover at least three Utah counties and have complete data across all three scoring categories.   

Devoted Health didn’t receive a score. Its Utah contract, H4473, has no CMS star rating or member satisfaction score, so it lacked data for the Quality and Member Experience category. Devoted Health sells three PPO plans in 11 Utah counties, with a median maximum annual cost of $8,000.

How We Score Carriers

Each carrier that meets the eligibility threshold gets an overall rating out of five.

• Affordability (40%): Maximum annual cost, which adds a year of premiums to the out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
• Quality and Member Experience (40%): CMS Star Ratings form 60% of this category and CAHPS Rating of Health Plan scores form 40%. Both are measured at the contract level.
• Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, form 50% of this category. County coverage forms 30% and the number of plan choices available per county forms 20%.