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The Medicare Advantage Open Enrollment Period runs January 1 through March 31 each year. During this time, people already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or return to Original Medicare.
Most people should apply for Medicare three months before their 65th birthday. That gives you the earliest possible coverage start and avoids gaps or late penalties.
Yes. When you first enroll in Medicare Part B at 65, you have a federally protected Medigap Open Enrollment Period that gives you the right to buy a Medigap policy without medical underwriting, meaning insurers can't deny you or charge more based on your health.
Medicare Savings Programs are state-run programs that help people with limited income and assets pay for Medicare costs like Part B premiums, deductibles, and copays. There are four levels, each covering different costs depending on how much you qualify for.
The most common Utah-specific mistake is assuming a plan that works well in Salt Lake City will work the same way in a rural county. In parts of rural Utah, plan options are limited and provider networks can be very thin.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.