Medicare Supplement Insurance (Medigap) helps Utah seniors and eligible disabled residents cover out-of-pocket healthcare costs not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. Utah residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Utah
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 38,397 |
| 2 | G | 32,784 |
| 3 | N | 8,401 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? Utah’s Medigap enrollment is almost evenly split between Plan F and Plan G — with fewer than 6,000 enrollees separating them. This makes Utah one of the states where Plan G is closest to overtaking Plan F in popularity.
How Medigap Pricing Works in Utah
Medigap premiums may rise differently depending on the rating method insurers use. In Utah, policies may follow one of three pricing models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the plan and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Utah
Utah does not require insurers to sell Medigap coverage to beneficiaries under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). However, some insurance companies may voluntarily make plans available. Availability and premiums for this group vary by insurer.
Choosing a Medigap Plan in Utah
Plan F remains the most popular option in Utah, though Plan G is close behind and continues to gain new enrollees. Plan N offers a lower-cost alternative with some cost-sharing. All Medigap policies work nationwide at providers that accept Medicare, giving Utah residents reliable coverage whether they receive care in Salt Lake City, Provo, or across the country.
To review premiums and compare available options in your area, visit our Medigap rate comparison page.