Best Medicare Supplement Plans in Utah (2026)

Updated: June 17, 2026

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Key Takeaways
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MedMutual Protect is the best Medicare Supplement provider in Utah for the most popular plan types, Plans G, F, and N. Other providers offer more competitive rates for less popular plan types.

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Medicare Supplement plans in Utah cost $66 to $234 per month, depending on your age and plan choice.

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When comparing Utah Medicare Supplement plans, it’s important to request quotes from several insurance companies and review how each plan is offered in your area.

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Best Medicare Supplement Plans in Utah

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.

WMI Mutual A$89$69Attained Age Pricing
AARPB$185$12Community Pricing
WMI Mutual C$141$81Attained Age Pricing
State FarmD$145$45Attained Age Pricing
MedMutual ProtectF$135$99Attained Age Pricing
MedMutual ProtectG$121$94Attained Age Pricing
AARPK$66$14Community Pricing
AARPL$92$30Community Pricing
Philadelphia American M$96$21Attained Age Pricing
MedMutual ProtectN$85$56Attained Age Pricing

*Prices are for 65-year-olds.

MedMutual

MedMutual

MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.4/5Pricing Style
4/5Plan Availability

  • Average Plan G Rate

    $121

  • Plan Types

    A, D, F, G, N
WMI Mutual

WMI Mutual

MoneyGeek Rating
4.1/ 5
5/5Affordability
3.5/5Pricing Style
2.6/5Plan Availability

  • Average Plan G Rate

    $127

  • Plan Types

    A, C, F, G, N
AARP

AARP

MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Plan Availability

  • Average Plan G Rate

    $188

  • Plan Types

    A, B, C, F, G, K, L, N
State Farm

State Farm

MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability

  • Average Plan G Rate

    $146

  • Plan Types

    A, C, D, F, G, N
Philadelphia American

Philadelphia American

MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.2/5Pricing Style
3.6/5Availability

  • Average Plan G Rate

    $209

  • Plan Types

    A, D, F, G, M, N

Best Medicare Supplement Plan G in Utah

MedMutual Protect offers the lowest Plan G rate in Utah at $121 per month, $94 below the state average. WMI Mutual and LifeShield National are strong alternatives at $127 and $145 per month. Plan G covers nearly all Medicare out-of-pocket costs except the Part B deductible. Choosing among these three providers can save $609 to $1,125 per year compared to Utah's average Plan G premium.

MedMutual Protect$121$94$1,452$1,125
WMI Mutual $127$88$1,524$1,053
LifeShield National $145$70$1,740$837
State Farm$146$69$1,752$825
American Benefit $158$57$1,896$681
Nassau $161$54$1,932$645
AFLAC$164$51$1,968$609

Best Medicare Supplement Plan F in Utah

Plan F covers every Medicare out-of-pocket expense, making it the most comprehensive Medigap option available. Enrollment is limited to those who qualified for Medicare before January 1, 2020. Monthly premiums for Plan F in Utah range from $135 to $197 or more, with some providers charging about $99 less than the state average. The table below shows Utah's best Plan F rates and the monthly and annual savings each provider offers.

MedMutual Protect$135$99$1,620$1,185
WMI Mutual $147$87$1,764$1,041
LifeShield National $173$61$2,076$729
AFLAC$186$48$2,232$573
Nassau $187$47$2,244$561
American Benefit $190$44$2,280$525
Physicians $197$37$2,364$441

Best Medicare Supplement Plan N in Utah

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.

MedMutual Protect$85$56$1,020$670
WMI Mutual $101$40$1,212$478
LifeShield National $107$34$1,284$406
State Farm$113$28$1,356$334
American Benefit $114$27$1,368$322
AFLAC$118$23$1,416$274
Bankers Fidelity$119$22$1,428$262

Personalized Utah Medicare Supplement Plan Recommendations

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.

Data filtered by:
A
Select
No
WMI Mutual ANo65$89$0Attained Age Pricing
United American ANo65$116$0Attained Age Pricing
State FarmANo65$121$0Attained Age Pricing
AARPANo65$125$0Community Pricing
MedMutual ProtectANo65$127$0Attained Age Pricing
USAAANo65$128$0Attained Age Pricing
Mutual of OmahaANo65$129$0Attained Age Pricing
HumanaANo65$135$0Attained Age Pricing
Globe LifeANo65$140$0Attained Age Pricing
Blue Cross Blue ShieldANo65$143$0Attained Age Pricing

Medicare Supplement Plan Cost in Utah

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.

A$158$1,896
B$197$2,364
C$222$2,664
D$190$2,280
F$234$2,808
G$215$2,580
K$80$960
L$122$1,464
M$117$1,404
N$141$1,692

How to Choose the Best Medicare Supplement Plan

After choosing your plan type, compare providers in Utah using these key factors:

  1. 1
    Assess Your Health Care Needs

    Do you travel frequently? How often do you see doctors? More coverage costs more per month but saves money when you need care. Higher monthly premiums often cost less overall for seniors with ongoing conditions requiring regular treatment.

  2. 2
    Compare Plan Types

    Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room visits). Plan F, available only to those who enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less per month but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.

  3. 3
    Get Multiple Provider Quotes

    Get quotes from at least three companies before deciding. Insurers charge different rates for identical coverage.

  4. 4
    Check Pricing Style

    Three pricing methods exist: issue-age (locked at your enrollment age), attained-age (rises as you age) and community-rated (same for everyone). Issue-age and community-rated plans cost less over the long term for most seniors.

  5. 5
    Check Company Ratings

    Lower premiums aren't worth much if your insurer delays claims or provides poor service. Review AM Best ratings for financial stability and customer satisfaction scores for service quality.

  6. 6
    Enroll During Open Enrollment

    Enroll during the six-month window that begins when you turn 65 and sign up for Medicare Part B. Acceptance is guaranteed regardless of health conditions during this period. Wait longer and insurers may charge more or deny coverage.

Utah Medicare Resources

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.
Compare Medigap Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

Medicare Supplement Plans in Utah: FAQ

Common questions about Medigap coverage in Utah answered below.

Our Methodology

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.

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About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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