Medicare Part D

Utah Part D Plans for 2027: 8 Stand-Alone Drug Plans From 4 Insurers, Down From 10

SALT LAKE CITY — Utahns who buy a stand-alone Medicare prescription drug plan will see a smaller menu for 2027. According to CMS Landscape files, 4 insurers will offer 8 stand-alone Part D plans across the "Idaho, Utah" Part D region, down from 10 plans and 5 insurers in 2026. Every plan counted here is sold region-wide, which means it is available anywhere in the state. Annual Enrollment for 2027 runs October 15 through December 7, 2026, and choices made in that window take effect January 1, 2027.

Medicare Part DUtah

How many stand-alone Part D plans are offered in Utah for 2027?

Utah has 8 stand-alone Medicare prescription drug plans from 4 insurers for 2027, down from 10 plans and 5 insurers in 2026. The state sits in CMS's "Idaho, Utah" Part D region, and stand-alone plans in that region are offered everywhere in both states. Blue Cross and Blue Shield of IL, NM, OK, TX is new to Utah's stand-alone market for 2027. Two carriers that offered stand-alone plans in Utah in 2026 — Aetna Medicare and HealthSpring — are not on the 2027 Utah stand-alone list. These counts cover stand-alone Part D only; the drug coverage built into Medicare Advantage plans is counted separately.

Which insurers offer stand-alone Part D plans in Utah for 2027?

Four insurers will sell stand-alone Part D plans in Utah for 2027. Listed alphabetically, with each one's 2027 plan count:

• Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

This list is not a ranking. Plan designs, drug lists, pharmacy networks and premiums vary by plan and are set by each insurer; those details live on the Medicare Plan Finder at medicare.gov and in each plan's own documents.

What do the 2027 Part D out-of-pocket cap and deductible limit mean for Utah enrollees?

For 2027, out-of-pocket spending on covered Part D drugs is capped at $2,400 per person, and no Part D plan may charge a deductible higher than $700. The out-of-pocket cap is $2,100 in 2026, so the ceiling rises by $300 for the 2027 plan year. Once a Utah enrollee's covered out-of-pocket costs reach the cap, they pay $0 for covered Part D drugs for the rest of the calendar year. Individual plans may set a deductible lower than $700 or none at all, and specific cost-sharing varies plan by plan; check each plan's details on medicare.gov before enrolling.

Separately, Medicare uses a base beneficiary premium of $41.33 for 2027 in the formula for the Part D late-enrollment penalty. The actual monthly premium for any given plan is set by the insurer.

Which Utah Part D plans can a person with full Extra Help join for no monthly premium in 2027?

In 2027, a Utah resident who qualifies for full Extra Help (the federal Low-Income Subsidy) can join 2 stand-alone Part D plans in the state with no monthly premium, compared with 3 such plans in 2026. These are the plans CMS identifies as benchmark plans for the region. Extra Help also reduces what a person pays at the pharmacy counter for covered drugs. To see whether you qualify, or to apply, start at medicare.gov or call Social Security; eligibility is based on income and resources.

How does stand-alone Part D in Utah compare with the drug coverage built into Medicare Advantage?

Stand-alone Part D plans add drug coverage to Original Medicare, while most Medicare Advantage plans fold drug coverage into a single policy that also covers hospital and medical care. The 8 stand-alone plans described in this article are only the stand-alone Part D menu for Utah; Medicare Advantage plans with drug coverage are counted separately and are not included here. The 2027 program rules — the $2,400 out-of-pocket cap and the $700 maximum deductible — apply to Part D drug coverage whether it comes through a stand-alone plan or through a Medicare Advantage plan that includes drugs. For a side-by-side look at both paths, use the Medicare Plan Finder at medicare.gov.

How can Utah shoppers check a plan's drug list and pharmacies before December 7, 2026?

Before Annual Enrollment 2027 closes on December 7, 2026, Utah shoppers can confirm that a plan covers their medications and works with their pharmacies by using the Medicare Plan Finder at medicare.gov. Enter your ZIP code, add each prescription with its dose, and select the pharmacies you actually use; the tool then shows which plans cover those drugs and what the plan says you would pay. You can also call 1-800-MEDICARE, which operates 24 hours a day, 7 days a week, or read the plan's own formulary and pharmacy directory. Formularies and pharmacy networks can change from year to year, so it is worth checking even if you are keeping the same plan.

One more date for the calendar: the Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026 for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not been announced yet; CMS typically releases those figures in the fall.

Where can Utahns get free help with Part D for 2027?

Free, unbiased help is available from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week, including TTY service at 1-877-486-2048, or go to medicare.gov to compare plans, review coverage, and enroll. The Medicare Plan Finder is the official tool for comparing stand-alone Part D plans and Medicare Advantage plans in Utah for 2027.