Utah · 2027 Part D plans

Which Medicare Part D Plans Are Available in Utah for 2027?

8 stand-alone drug plans, sold statewide, from $5.30 to $238.00 a month. That is the whole 2027 Utah shelf for anyone on Original Medicare, with or without a Medigap policy, straight from the CMS plan file that went public this week. Two of last year's 10 plans are gone, 5 of the 8 that remain cost more than they did in 2026 and 3 cost less, the standard deductible rises to $700, and the out-of-pocket cap rises to $2,400. Here is every plan, what changed, and how to pick one without reading eight formularies.

Medicare On Main Data Desk

Published October 1, 2026 · 9 min read · Reviewed by Brian Penner, 22+ years in Medicare

Stand-alone Part D is a bigger share of Utah Medicare than people assume. The CMS monthly enrollment file for June 2026 counts 490,235 Utahns on Medicare, 221,009 of them in Original Medicare, and 140,879, about 29% of the whole Medicare population, in a stand-alone drug plan rather than one bundled into a Medicare Advantage plan. In Grand County it is 1,218 of 2,299, 53%, and in San Juan County 1,312 of 2,543. Those are the households this post is for: Original Medicare, usually a Medigap policy, and a drug plan chosen separately every fall.

The plan data below is from the CMS CY 2027 landscape file, dated September 22, 2026, which is the public list of every approved plan for next year. Stand-alone drug plans are sold by region, not by county, and Medicare puts Utah and Idaho together as Region 31, so every plan below is available at every Utah address, Logan to Bluff. Star Ratings are blank in the file until CMS publishes them later in October, and we will not guess at them.

Every 2027 Utah Part D plan

Sorted by 2027 premium, lowest first. "Basic" plans follow Medicare's standard benefit design or an equivalent of it; "Enhanced" plans add something, usually a lower deductible or a tier that is exempt from it, and charge for it in the premium. The "no-deductible tier" column is the CMS flag for a plan that lets at least one tier, typically preferred generics, skip the deductible.

Source: CMS CY2027 landscape file, Utah PDP rows (Part D Total Premium; Annual Part D Deductible Amount; Drug Benefit Type; Offers Drug Tier with No Part D Deductible), against the CY2026 file for the same plan IDs. HealthSpring Assurance Rx is listed under a different contract number for 2027 than in 2026; the plan name is the same, and your Annual Notice of Change is the document that tells you whether your enrollment carries over.

What changed from 2026

Deductible and cap from the CMS 2027 Announcement, p. 95. Plan counts and premiums from the landscape files.

Two plans are discontinued. SilverScript Choice (Aetna Medicare, S5601-062; $27.70 and a $615 deductible in 2026) and HealthSpring Extra Rx (HealthSpring, S5617-381; $56.30 and a $615 deductible in 2026) appear in no Part D region in the 2027 file. If one of them is yours, the CMS enrollment guidance says what happens on January 1 if you do nothing: "If an individual does not enroll in another PDP before the termination effective date, they will be disenrolled on the effective date of the termination." Unlike a discontinued Advantage plan, which drops you into Original Medicare, a discontinued drug plan drops you into nothing. Our post on a discontinued Part D plan walks through the deadlines; the short version is pick a new plan by December 7, or use the Special Enrollment Period that runs from December 8 through the end of February.

The premium moves are large in both directions. The two Wellcare plans fell, to $5.30 and $7.30. Humana Basic Rx went from $0.00 to $30.60. The AARP Medicare Rx Preferred plan went from $132.60 to $238.00, while its deductible rose from $130 to $300. Those are the carriers' published 2027 prices as filed with CMS, and the reasons behind the industry-wide movement in stand-alone premiums are in our August post on 2027 Part D premiums. The national base beneficiary premium, the figure the late-enrollment penalty is built on, is $41.33 for 2027; no Utah plan charges exactly that, which is normal. The base is an average of bids, not a price.

How to read the shelf

The 8 plans sort into three groups, and knowing which group you belong in cuts the comparison to two or three plans.

• Low premium, full deductible. Wellcare Value Script, Wellcare Classic, Humana Basic Rx and Humana Value Rx, $5.30 to $34.70, with deductibles of $687 to $700. For someone on a few generics, the deductible may never be touched if the plan exempts the generic tier from it, and the premium is the whole annual cost. Check the tier of each of your drugs; "generic" and "preferred generic" are different tiers on most formularies.
• Mid premium, full deductible. AARP Medicare Rx Saver and HealthSpring Assurance Rx, $92.70 and $94.80, both at $700. These are basic plans priced above the first group; the difference, if there is one for you, is in the formulary and the pharmacy network, not the benefit design.
• High premium, low deductible. Humana Premier Rx at $134.00 with a $350 deductible and AARP Medicare Rx Preferred at $238.00 with a $300 deductible. These make sense for someone whose brand-name drug costs would hit the deductible in January anyway and who wants broader formulary coverage; whether they make sense for you is a calculation, not a guess.

Then run the calculation. Medicare's Plan Finder takes your drug list and your pharmacy and returns the estimated annual cost, premium plus what you pay at the counter, for every plan. That total is the number to compare, not the premium. A $5.30 plan whose formulary puts your one brand-name drug on a non-preferred tier can cost more over the year than a $94.80 plan that covers it as preferred, and the only way to know is to look. Pharmacy matters too; in Moab and Monticello, with one or two pharmacies in town, whether yours is "preferred" on a plan's network can move the copay on every fill. We covered the pharmacy question for Utah here.

Three things that are the same on every plan

They are easy to overpay for, because the mailers advertise them as if they were features.

• The $2,400 cap. Federal, and identical on all 8 plans. Once your out-of-pocket spending on covered drugs reaches $2,400, covered drugs cost nothing for the rest of the year. No plan has a lower cap and no plan has a higher one.
• The option to spread the cost over the year. The Medicare Prescription Payment Plan, which bills your out-of-pocket drug costs monthly instead of at the counter, is available on every Part D plan. It changes when you pay, not how much.
• The enrollment calendar. October 15 to December 7 for a January 1 start, per Medicare.gov, "the plan must get your request to join by December 7." Joining a new drug plan ends the old one; you do not cancel anything.

One line for readers with Extra Help: 2 of the 8 plans, Wellcare Classic and Humana Basic Rx, carry the CMS flag for a basic premium at or below the regional low-income benchmark for 2027, which is the flag that matters for a $0 premium under the full subsidy. If you have Extra Help and are in a plan that is ending, CMS reassigns you to a benchmark plan unless you choose one yourself, and choosing is usually better, because the reassignment does not look at your drug list.

What I would do

If you are in one of the 8 continuing plans, read the Annual Notice of Change that arrived in September for three numbers: the 2027 premium, the 2027 deductible, and the tier of each drug you take. If none of the three moved against you, staying is a fine decision and takes no paperwork. If one did, that is the signal to run the shelf.

If you are in SilverScript Choice or HealthSpring Extra Rx, you have to choose, and the only cost of choosing early is an hour. Pull your drug list, run Plan Finder or let us run it, and enroll by December 7. In Grand County, where 53% of everyone on Medicare is in a stand-alone drug plan and, per CDC PLACES, 33.3% of adults live with high blood pressure and 11.2% with diabetes, these are the plans paying for a lot of daily prescriptions, and the right one is the one that covers yours at the lowest annual total, not the one with the lowest number on the postcard.

How we know all this: the Medicare On Main Data Desk frames every article with public data — here, the CMS CY 2027 and CY 2026 Medicare Advantage and Part D landscape files for every Utah stand-alone drug plan's premium, deductible, benefit type, deductible-exempt tier and low-income benchmark flag; the CMS Announcement of CY 2027 payment policies for the $700 standard deductible and $2,400 out-of-pocket threshold; the CMS fact sheet for the $41.33 base beneficiary premium; the CMS CY 2027 enrollment and disenrollment guidance for what happens when a drug plan is not renewed; Medicare.gov's joining-a-plan page for the enrollment calendar; the CMS Medicare Monthly Enrollment file for Utah, Grand County and San Juan County; and CDC PLACES for Grand County health prevalence. No 2027 Star Rating is stated because CMS has not published them. Medicare On Main is a licensed independent insurance agency. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program. Plan names and prices appear as published in the CMS file; nothing here is a judgment of any company or plan.