Medicare Advantage

Clearfield Medicare 2027: Davis County Options

Medicare in Clearfield: how many plan options are available in Davis County for 2027, plus key dates and Part D rules.

CLEARFIELD, Utah — If you're sorting through Medicare choices this fall, here's a plain-language snapshot of what's on the shelf near you. Clearfield sits in Davis County, where 48 Medicare Advantage plans were available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. The 2027 count is published in each plan's ANOC and on Medicare.gov's Plan Finder. These are raw counts of options — not rankings, and not recommendations of any single plan.

For a county of more than 40,900 residents age 65 and older, that many choices can feel like a lot. The goal of this article is simple: help you understand what those numbers mean, and where to go for personalized answers.

What the local numbers look like

Clearfield residents get Medicare plan availability based on Davis County, since CMS sets Medicare Advantage and Part D service areas at the county level. Here's the most recent picture on file:

• 48 Medicare Advantage plans are available in Davis County.
• 9 carriers are offering Medicare Advantage plans with prescription drug coverage (MA-PD) in the area.
• 0 stand-alone Part D plans are listed separately in the county-level file we reviewed — most drug coverage locally is bundled inside Medicare Advantage plans. (If you stay with Original Medicare and want drug coverage, stand-alone Part D plans are still sold in Utah; check Medicare.gov for your ZIP code.)
• 0 contracts in the area currently carry a 4-star or higher overall rating in the data we reviewed. Star Ratings can change year to year, so always check the current rating on Medicare.gov before you enroll.

These are counts only. We are not naming plans, premiums, or benefits here — that's what Medicare's Plan Finder is built for.

Why availability is set by county, not city

You'll see "Clearfield Medicare plans" advertised online, but Medicare Advantage and Part D companies file their service areas by county. So a plan available to your neighbor in Layton or Bountiful is generally available to you in Clearfield too, because you're all in Davis County. When you compare plans on Medicare.gov, enter your ZIP code and the tool will confirm which plans serve your address.

Key Part D rules every Clearfield reader should know

A few program-level facts apply no matter which plan you eventually pick:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that amount in a given year, you pay nothing more for covered Part D drugs the rest of that year.
• Part D deductible: up to $615 in 2026 ($700 in 2027). Plans can set a lower deductible, but no plan can charge more than this.
• No more "donut hole." As of 2025, Part D has three phases instead of four. The coverage gap is gone.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter. You have to opt in.
• IRMAA. Higher-income enrollees pay a surcharge on Part B and Part D premiums. For 2026, IRMAA begins above $109,000 in income for a single filer (higher thresholds apply for joint filers).

Dates to circle

• October 15 – December 7, 2026: Medicare Annual Enrollment Period. This is when most people compare and switch plans for 2027.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to another MA plan or return to Original Medicare.

Outside these windows, you generally need a Special Enrollment Period — for example, if you move, lose other coverage, or qualify for Extra Help.

How to narrow 48 options without getting overwhelmed

Even seasoned Medicare journalists don't try to compare 48 plans one by one. A better approach:

1. Start with your drugs. Enter your prescriptions on Medicare.gov's Plan Finder. The tool will estimate your annual drug cost under each plan. 2. Check your doctors and hospitals. If you want a Medicare Advantage plan, confirm your providers are in-network for that specific plan. 3. Think about how you like to get care. Original Medicare plus a Medigap policy works differently from Medicare Advantage. Neither is "better" — they fit different lives. 4. Get free, unbiased help. In Utah, the State Health Insurance Assistance Program (SHIP) offers one-on-one counseling at no cost.