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2027 Utah Medicare Update

Your Medicare Advantage Plan May Be Ending in 2027 — Here's Exactly What to Do

Finding out your Medicare Advantage plan is being discontinued is unsettling. But here's the truth: you have options, you have time, and you don't have to figure this out alone. This page will walk you through everything — in plain English, no jargon, no pressure.

What's Happening with Utah Medicare Plans in 2027?

Each year, Medicare Advantage insurance carriers make decisions about which plans to continue offering. For 2027, several carriers — including SelectHealth and Kroger-affiliated plans — have notified members that certain plans will not be renewed. If you received a letter from your insurance company, or if you've heard through the news, your concern is valid and your action is timely.

When a plan is formally discontinued, the Centers for Medicare & Medicaid Services (CMS) steps in to protect you with a Special Enrollment Period (SEP). This means you are not locked out of your coverage — you have the right to choose a new plan that fits your needs.

What This Means For You

You Won't Lose Coverage

You will not be left without Medicare coverage. CMS will ensure continuity, but Medicare generally does not automatically assign you to a new plan. Most individuals will revert back to Original Medicare. If no action is taken individuals will be left without prescription drug coverage and many would lose the benefits they have on their current plans.

You Have a Special Enrollment Period

When your plan is discontinued, you receive a Special Enrollment Period — typically running from October 1 through February 28 — to shop for a new plan. Don't wait for automatic reassignment.

You Can Compare All Available Plans

Utah residents have access to plans from 7 insurance organizations offering 42 products. A licensed local agent can show you all of them side by side — at no cost to you.

Don't Just Accept the Plan CMS Assigns You

When a plan is discontinued, CMS will send you a notice and, if you don't act, will automatically reassign you to a comparable plan. The word "comparable" is doing a lot of heavy lifting there. The auto-assigned plan may have:

  • A different premium — sometimes higher
  • A different provider network — your doctors may not be included
  • A different drug formulary — your prescriptions may cost more or require prior authorization
  • Different out-of-pocket maximums and cost-sharing

Taking 20 minutes to review your options with a licensed agent could save you hundreds of dollars per year and keep you with the doctors you trust.

Your Enrollment Timeline — Act Before the Deadline

  1. October 1: Open enrollment season begins. You can start reviewing 2027 plan options and speaking with licensed agents.
  2. October 15–December 7: Your Annual Enrollment Period is active. This is the best time to compare plans and make a decision.
  3. December 31, 2026: Your current plan ends. New coverage begins January 1, 2027.
  4. February 28, 2027: Your SEP closes. After this date, you may have to wait until the next Annual Enrollment Period to make changes.

How a Licensed Utah Agent Makes This Simple

You don't need more automated phone trees. You need someone who knows Utah's plan landscape, listens to your situation, and walks you through every option — clearly and without pressure.

  1. Tell us what matters most — your doctors, your prescriptions, your budget.
  2. We compare every plan available in your ZIP code, side by side.
  3. We explain your options in plain English — no jargon, no rush.
  4. If you decide to enroll, we handle the paperwork. If you're not ready, that's fine too.

There is no cost for our services. Licensed agents are compensated by the insurance carriers — not by you.

Frequently Asked Questions

Yes. When a carrier chooses not to renew a plan, it is effectively discontinued. Members of non-renewing plans receive the same SEP protections as members of formally discontinued plans.
Yes. When your Medicare Advantage plan is discontinued, you may have a guaranteed-issue right to purchase a Medicare Supplement (Medigap) policy — meaning you can't be denied or charged more due to pre-existing conditions. This is an important window that many people miss.
We check your specific physicians against every plan's provider network before recommending anything. This is one of the most important steps we take for every client.
CMS will automatically reassign you to a plan they consider comparable. You will receive a new insurance card in the mail. However, this plan may not include your preferred doctors or cover your medications at the same cost. We strongly recommend reviewing your options before letting auto-assignment happen.

Not Sure How the 2027 Changes Affect You?

A licensed Utah agent will explain your options in plain English — at no cost, no obligation.

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