Find the Medicare plan tailored for your needs.
Medicare uses your income from two years prior to calculate IRMAA. For example, your 2025 Medicare premiums are based on your 2023 tax return.
Plans that include University of Utah Health in their provider networks are your best starting point. Regence BlueCross and some other carriers contract with U of U Health, but you should verify network status for your specific providers before enrolling.
If keeping your current doctors is the priority, you need to verify that any plan you're considering actually includes those doctors in its network before you enroll. Original Medicare with a Medigap plan gives the broadest access, but certain Medicare Advantage plans may also include your providers.
Once you enroll in any part of Medicare, you can no longer contribute to a Health Savings Account (HSA). You can still spend money already in the account, but new contributions must stop.
Medicare Advantage plans often have low or no monthly premiums and include extra benefits, but they come with network restrictions, prior authorization requirements, and variable out-of-pocket costs that matter most when your health needs increase.