Medicare Advantage

St. George, Utah Medicare Plans for 2027

How many Medicare Advantage plans serve the St. George, Utah area? See what's known for 2027 and where to check the updated lineup.

ST. GEORGE, Utah — If you live in or near St. George and are sizing up your Medicare choices for 2027, it helps to know how the local landscape looks. Plan availability is set county by county, so the number of options in your mailbox depends on which county you call home. Here's a look at how plan availability shaped up across the St. George area for 2026, according to CMS Medicare Advantage and Part D Landscape data; the 2027 lineup will appear in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.

What "plan availability" really means

When people ask how many Medicare plans are available in St. George, they're really asking about Washington County. Medicare Advantage and Part D availability are decided at the county level, not the city level. So every ZIP code in Washington County — including St. George, Washington, Hurricane, Ivins, Santa Clara, and the surrounding communities — sees the same slate of plans.

For 2026, Washington County had 29 Medicare Advantage plans on the shelf, offered by 7 different carriers. The 2027 lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder. That's a lot of paperwork to sort through, but it also means most people in the area have real choices to compare.

A quick look at nearby counties

Southwest Utah is a large, mostly rural region, and county lines can matter more than you'd think. If you split time between homes, moved recently, or you're helping a parent in a different county, you may see a different plan list than your neighbor a few miles away.

The counts above apply specifically to Washington County. Iron County (Cedar City), Kane County, and Beaver County each have their own separate plan lineups. If you're shopping for someone outside Washington County, use Medicare's Plan Finder and enter that person's ZIP code — the results will match their county, not yours.

Where Part D fits in

Here's one detail that surprises St. George shoppers: for 2026, there were no stand-alone Part D prescription drug plans listed for this area in the CMS Landscape data, and the 2027 list will appear on Medicare.gov's Plan Finder. In practice, that means people who want drug coverage typically get it bundled into a Medicare Advantage plan (an "MA-PD") rather than pairing it separately with Original Medicare.

If you rely on Original Medicare and want drug coverage, this is worth a call to 1-800-MEDICARE or your local SHIP counselor to confirm your options.

Program-wide changes to know for 2027

No matter which plan you land on, some rules apply across the whole Medicare program in 2027:

• Part D out-of-pocket cap: Your yearly out-of-pocket spending on covered drugs is capped at $2,100 in 2026 and $2,400 in 2027.
• Part D deductible: Plans can charge a deductible up to $615 in 2026 and up to $700 in 2027.
• No more donut hole: The old coverage gap was eliminated in 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: You can choose to spread your drug costs over monthly payments instead of paying all at once at the pharmacy.
• IRMAA: Higher-income enrollees pay an income-related surcharge on Part B and Part D. For single filers in 2026, that starts above $109,000 in income.

About Star Ratings in this area

Medicare's Star Ratings score plan contracts from 1 to 5 stars on things like member experience and customer service. For 2026, no contracts serving the Washington County area were rated 4 stars or higher in the CMS data; the 2027 ratings appear on Medicare.gov. Star Ratings are one input among many — they're worth understanding, but they aren't the whole story, and they don't replace checking whether your doctors, hospitals, and medications are covered.

Key dates to circle

• October 15 – December 7: Annual Enrollment Period. Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare (and pick up a Part D plan if one is available).