Best Medicare Supplement Plans in Utah (2026)

Medicare Supplement (Medigap) premiums in Utah vary by insurer, plan letter and pricing method, even though coverage for each plan type is standardized. In our analysis of Medicare Supplement plans in Utah, MedMutual Protect has the lowest average premiums in the state, with competitive pricing for popular options such as Plan N ($85 per month), Plan G ($121 per month) and Plan F ($135 per month).

The best plan for you depends on more than just the lowest monthly cost. Your age, the plan type you choose and whether the policy uses attained-age or community pricing all affect long-term affordability. The table below compares the best Utah Medicare Supplement providers by plan, monthly premium and pricing style to help you find the best value for your needs.

*Prices are for 65-year-olds.

MedMutual Protect has the most affordable Medigap Plan G rate in Utah $121 per month, saving you $94 below the state average. WMI Mutual and LifeShield National provide strong alternatives at $127 and $145 per month. Plan G delivers comprehensive coverage for nearly all Medicare out-of-pocket costs, except the Part B deductible. Choosing from these top-rated providers can result in annual savings ranging from $609 to $1,125 compared with Utah’s average Plan G premiums.

Plan F covers every Medicare out-of-pocket expense, offering the broadest Medigap protection available. But there's a restriction: you can only enroll if you qualified for Medicare before January 1, 2020. Monthly premiums for Medigap Plan F in Utah run from $135 to $197+. Some top providers charge about $99 less per month than the state average. The table below shows Utah's best Plan F rates and what you'd save monthly and annually with each provider.

MedMutual Protect offers Utah's best Medicare Supplement Plan N rate at $85 monthly. WMI Mutual and LifeShield National come next at $101 and $107 per month. Plan N balances cost and coverage well. You'll pay small copays for doctor visits and emergency care, but monthly premiums stay low. This works well for healthy seniors watching their budget.

The best Medicare Supplement plan in Utah for you depends on your age, which plan letter you want and how premiums change over time. Use the filterable table below to compare plans and premiums by insurer. This helps you find options that match your coverage needs and budget.

Medicare Supplement plans in Utah average $168 monthly for 65-year-olds, with Medicare Supplement insurance costs from $80 to $234 across 10 standardized plan types. Plan K costs the least at $80 monthly while Plan F costs the most at $234.

The most popular plans (Plan G, Plan F and Plan N) average $215, $234 and $141 monthly. Annual costs range from $960 to $2,808, and your actual premium depends on provider, age and the insurer's pricing style.

After choosing your plan type, you'll want to compare providers in Utah. Look for these key factors when evaluating Medicare Supplement companies.

Utah residents seeking help with Medicare coverage selection and understanding options can access multiple resources at no cost.

• Utah Senior Health Insurance Information Program (SHIP): Trained volunteers offer unbiased guidance on Medicare Supplement plans, Medicare Advantage and Part D prescription drug coverage. They provide free, confidential individual counseling to help you understand Medicare, compare plans and avoid insurance fraud. Visit Utah SHIP.
• Utah Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the Utah Department of Insurance.
• Utah Area Agencies on Aging: Serves older adults with information and programs, including assistance with Medicare enrollment, benefits counseling and access to local community resources for seniors and caregivers. They also offer resources for nutrition, transportation and social activities. Find Your Local Agency.
• Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov.

Common questions about Medigap coverage in Utah answered below.

MoneyGeek collected Utah Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored Utah Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.