Best Medicare Advantage Plans in Utah for 2027
Every general-audience Medicare Advantage plan with drug coverage in Utah, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Utah plans, ranked
Showing all 27 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO4 of 27 counties · drug deductible $300Dental up to $1,750/yr · eyewear $200/yr | $0 | $4,700 | $4,700 | 4★ |
| 2 | Humana Essentials Plus Giveback (PPO)Humana · PPO23 of 27 counties · drug deductible $700Part B giveback $80/mo · Dental up to $1,250/yr · eyewear $150/yr | $0−$80 Part B giveback | $5,750 | $4,790 | 4★ |
| 3 | AARP Medicare Advantage Essentials from UHC UT-4 (HMO-POS)UnitedHealthcare · HMO-POS23 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 4 | Humana Value Choice (PPO)Humana · PPO7 of 27 counties · drug deductible $700Dental up to $4,000/yr · eyewear $150/yr | $0 | $5,000 | $5,000 | 4★ |
| 5 | Humana Value Choice (PPO)Humana · PPO4 of 27 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $5,000 | $5,000 | 4.5★ |
| 6 | AARP Medicare Advantage from UHC UT-0003 (HMO-POS)UnitedHealthcare · HMO-POS23 of 27 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $49 | $4,900 | $5,488 | 4★ |
| 7 | Select Health Medicare Essential (HMO)Select Health · HMO6 of 27 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $80/yr | $0 | $5,500 | $5,500 | 4★ |
| 8 | Humana Full Access (PPO)Humana · PPO4 of 27 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $39 | $5,750 | $6,218 | 4.5★ |
| 9 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 27 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 10 | DEVOTED CHOICE 001 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $650Dental up to $3,500/yr · eyewear $300/yr · OTC items $136/yr | $0 | $6,350 | $6,350 | Too new to rate |
| 11 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO3 of 27 counties · drug deductible $700Part B giveback $2/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0−$2 Part B giveback | $6,500 | $6,476 | 4★ |
| 12 | AARP Medicare Advantage Giveback from UHC UT-9 (PPO)UnitedHealthcare · PPO16 of 27 counties · drug deductible $215Part B giveback $48/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4.5★ |
| 13 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO3 of 27 counties · drug deductible $500Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $6.50 | $6,500 | $6,578 | 4★ |
| 14 | AARP Medicare Advantage Extras UT-7 (HMO-POS)UnitedHealthcare · HMO-POS23 of 27 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 15 | AARP Medicare Advantage from UHC UT-0005 (HMO-POS)UnitedHealthcare · HMO-POS9 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 16 | Humana Value Choice (PPO)Humana · PPO2 of 27 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 17 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 27 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $80/yr | $0 | $6,750 | $6,750 | 4★ |
| 18 | DEVOTED CHOICE GIVEBACK EXTRAS 014 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $700Part B giveback $85/mo · Dental up to $3,750/yr · eyewear $350/yr · OTC items $284/yr | $0−$85 Part B giveback | $8,000 | $6,980 | Too new to rate |
| 19 | AARP Medicare Advantage from UHC UT-0008 (PPO)UnitedHealthcare · PPO16 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 20 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 27 counties · drug deductible $700Preventive dental · eyewear $125/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 21 | AARP Medicare Advantage from UHC UT-0002 (PPO)UnitedHealthcare · PPO2 of 27 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 4.5★ |
| 22 | AARP Medicare Advantage from UHC UT-0001 (PPO)UnitedHealthcare · PPO2 of 27 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $49 | $6,700 | $7,288 | 4.5★ |
| 23 | Regence MedAdvantage + Rx Enhanced (PPO)Regence BlueCross BlueShield of Utah · PPO4 of 27 counties · drug deductible $310Dental up to $1,500/yr · eyewear $150/yr | $158 | $5,500 | $7,396 | 4.5★ |
| 24 | DEVOTED CHOICE GIVEBACK 002 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $372/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Too new to rate |
| 25 | Regence MedAdvantage + Rx Classic (PPO)Regence BlueCross BlueShield of Utah · PPO4 of 27 counties · drug deductible $590Dental up to $1,250/yr · eyewear $100/yr | $87 | $6,700 | $7,744 | 4.5★ |
| 26 | HumanaChoice H5216-048 (PPO)Humana · PPO23 of 27 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 27 | HumanaChoice H7617-016 (PPO)Humana · PPO23 of 27 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $110 | $7,000 | $8,320 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 6 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO23 of 27 countiesPart B giveback $43/mo · Dental up to $2,500/yr · eyewear $150/yr | $0−$43 Part B giveback | $5,100 | $4,584 | 4★ |
| 2 | Select Health Medicare Veterans (HMO)Select Health · HMO4 of 27 countiesPart B giveback $110/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $300/yr | $0−$110 Part B giveback | $6,700 | $5,380 | 4★ |
| 3 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO3 of 27 countiesPart B giveback $75/mo · Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0−$75 Part B giveback | $6,500 | $5,600 | 4★ |
| 4 | AARP Medicare Advantage Patriot No Rx UT-MA01 (HMO-POS)UnitedHealthcare · HMO-POS25 of 27 countiesPart B giveback $65/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$65 Part B giveback | $7,150 | $6,370 | 4★ |
| 5 | Humana USAA Honor Giveback (PPO)Humana · PPO23 of 27 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $9,150 | $7,950 | 4★ |
| 6 | Humana USAA Honor Giveback (PPO)Humana · PPO23 of 27 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $9,150 | $7,950 | 4.5★ |
County pages
Cache County · Davis County · Salt Lake County · Utah County · Washington County · Weber County
Questions
How many Medicare Advantage plans are available in Utah for 2027?
CMS lists 27 general-audience Medicare Advantage plans with drug coverage in Utah for 2027, from 6 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Utah?
Yes. 18 of the 27 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Utah Medicare Advantage plan has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,700, so at most about $4,700 in premiums and in-network costs for the year. It is offered in 4 of 27 counties.
Which Utah Medicare Advantage plans have 4 or more stars?
23 of the 27 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Utah Medicare Advantage plans have a Part B giveback?
5 of the 27 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $184.70 a month, from DEVOTED CHOICE GIVEBACK 002 UT (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Utah?
The median in-network out-of-pocket maximum among these plans is $6,700. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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