Medicare Advantage

Layton Medicare 2026: 48 Options in Davis County

LAYTON, Utah — If you're turning 65 soon, or you're already on Medicare and thinking about a change for 2027, here's some context on your choices. Layton sits in Davis County, where 48 Medicare Advantage plans were available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Plan Finder. The 2027 lineup is described in each plan's Annual Notice of Change (ANOC) and on Medicare.gov's Plan Finder.

Layton Medicare Shoppers Have Plenty to Sort Through for 2027

That's a lot to sift through. This guide walks you through what those counts mean, what's changing for 2027, and where to get unbiased help.

How Many Medicare Options Are in the Davis County Area

Medicare plan availability is set at the county level, not the city level. So the counts below describe what's on offer to people living anywhere in Davis County, including Layton, Kaysville, Farmington, Bountiful, Clearfield, and Syracuse.

For 2026, CMS Plan Finder data showed:

• 48 Medicare Advantage plans available in Davis County
• 9 carriers offering Medicare Advantage with prescription drug coverage (MA-PD)
• Utah has 10 stand-alone Part D plans for 2026, sold statewide — in the Advantage lineup itself, most drug coverage here is bundled into MA-PD plans
• 6 contracts rated 4 stars or higher under CMS's 2026 Star Ratings among the Medicare Advantage contracts offering plans in Davis County

With roughly 40,908 residents age 65+ in Davis County, that's a wide field of plans serving a growing Medicare population. Numbers don't tell you which plan fits your doctors, your medications, or your budget — but they do tell you shopping is worth your time.

A Quick Refresher on the "Parts" of Medicare

Before you compare, it helps to know what you're comparing.

• Part A covers inpatient hospital stays, skilled nursing, and hospice.
• Part B covers doctor visits, outpatient care, and preventive services.
• Part C (Medicare Advantage) is a private-plan alternative that bundles A and B, often with drug coverage and extras.
• Part D covers prescription drugs, either as a stand-alone plan (paired with Original Medicare) or built into an Advantage plan.
• Medigap (Medicare Supplement) helps pay some of Original Medicare's out-of-pocket costs. It doesn't work with Advantage plans.

You generally choose either Original Medicare (often with a Medigap plan and a stand-alone Part D plan) or a Medicare Advantage plan. Not both.

What's Actually New for 2027

A few program-wide changes matter no matter which plan you land on:

• 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 prescriptions the rest of that year.
• Part D deductible maximum: $615 in 2026 and $700 in 2027. Plans can charge less, but not more.
• The "donut hole" is gone. Since 2025, Part D has just three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs across the calendar year in monthly installments instead of paying big bills at the pharmacy counter.
• IRMAA thresholds. Higher-income beneficiaries pay surcharges on Part B and Part D premiums. For single filers in 2026, IRMAA begins above $109,000 in modified adjusted gross income.

Understanding Star Ratings Without Being Steered

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale based on things like customer service, member complaints, and preventive care. It's one input — not the whole picture.

Under CMS's 2026 Star Ratings, 6 contracts are rated 4 stars or higher among the Medicare Advantage contracts offering plans in Davis County. Ratings shift year to year, so check the current score for any plan you're considering directly on medicare.gov.

More importantly, a high-star plan that doesn't include your cardiologist, or that puts your medication on a high tier, may still not be the right fit. Match the plan to your life.

Key Dates to Circle

• Annual Enrollment Period (AEP): October 15 – December 7. This is when anyone with Medicare can join, switch, or drop an Advantage or Part D plan for the following year.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in an Advantage plan, you get one chance during this window to switch to a different Advantage plan or return to Original Medicare.
• Initial Enrollment Period. For most people turning 65, this is the seven-month window around your 65th birthday.
• Special Enrollment Periods. Moving, losing employer coverage, or qualifying for Extra Help can open extra windows.