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The monthly premium is only one piece of what Medicare actually costs you. Out-of-pocket expenses when you use care, drug coverage, and network access often matter far more than the premium alone.
Medicare does not cover long-term custodial care, most dental, vision, and hearing services, or prescriptions under Original Medicare Parts A and B. These are among the most significant gaps people encounter.
Medicare uses your income from two years prior to calculate IRMAA. For example, your 2025 Medicare premiums are based on your 2023 tax return.
Generally, you can only change plans during specific times of the year, like the Fall Open Enrollment. However, if you move, lose other coverage, or have certain life changes, you may get a "Special Enrollment Period" to switch mid-year.
Most people focus on monthly premiums and miss the bigger cost and coverage gaps: out-of-pocket maximums, network restrictions, drug formularies, and how their plan choice interacts with future health needs. The thing almost nobody thinks about until it's too late is how hard it can be to switch plans if your health changes.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.