Medicare Part B Cost 2027: $209.50 a Month (Projected)

The Medicare Part B cost in 2027 is projected at $209.50 a month, up $6.60 from $202.90 this year, according to the 2026 Medicare Trustees Report. That's $79.20 more over a full year, and Medicare's annual enrollment period ends December 7.

If you're one of the 484,788 Utahns on Medicare (CMS, February 2026), this is the stretch where small checks save real money. Plans change every January. Your drug might have moved to a different tier. Your doctor might have left a network. And the deadline doesn't move.

Here's what's confirmed, what's still a projection, and what to check before December 7. We're an independent agency in Farr West and Heber Valley, so this is a plain-English rundown, not a plan pitch.

What Will the Medicare Part B Cost Be in 2027?

The 2027 Part B premium is projected at $209.50 a month, but it isn't final. CMS usually announces the official number in late October or early November, so treat these as the Trustees' estimates until then.

Part B premium: $202.90 in 2026, projected $209.50 in 2027 (up $6.60)
Part B deductible: $283 in 2026, projected $292 in 2027 (up $9)
Part D out-of-pocket cap: $2,100 in 2026, $2,400 in 2027 (set)
Part D maximum deductible: $615 in 2026, up to $700 in 2027 (set)

The Part B numbers come from the Trustees Report. The Part D numbers are already set, per Kiplinger's 2027 Medicare rundown. If your income is higher, you may also pay an income-related monthly adjustment (IRMAA). For 2027, IRMAA is based on the income on your 2025 tax return.

This increase reaches you whichever way you're enrolled. Medicare Advantage members generally still pay the Part B premium, so the projected bump applies to Original Medicare and Medicare Advantage enrollees alike.

When Is Medicare Open Enrollment, and What Can You Change?

Medicare's annual enrollment period runs October 15 to December 7, 2026, and every change you make takes effect January 1, 2027. In that window you can switch between Original Medicare and a Medicare Advantage plan, move to a different Medicare Advantage plan, or join, drop or change a Part D drug plan.

Already on Medicare Advantage? You get a second shot. From January 1 to March 31, 2027, you can make one change: to another Medicare Advantage plan, or back to Original Medicare. Changes start the month after you submit them.

The core tradeoff hasn't changed. Original Medicare lets you see any doctor or hospital that accepts Medicare, usually paired with a separate drug plan and an optional Medigap policy. Medicare Advantage bundles your coverage into one plan with a provider network and its own out-of-pocket limit. Neither one is wrong. The right fit depends on your doctors, your prescriptions, and how much cost risk you can carry.

That second window matters here in Utah. As of February 2026, 55% of the state's Medicare population was enrolled in Medicare Advantage (CMS), and the average Utah beneficiary could choose from 25 Medicare Advantage plans in 2026 (KFF). More plans means more to compare.

If your plan is leaving the market, the non-renewal notice may open a special enrollment period. Call 1-800-MEDICARE or ask us to confirm what applies to you.

What Changes in Part D Drug Coverage for 2027?

Part D's out-of-pocket cap rises to $2,400 in 2027, up $300 from $2,100, and no plan can charge a deductible above $700. Your actual premium and copays still depend on the plan you pick.

Here's the other thing: the federal premium stabilization program, which lowered 2026 premiums by an estimated $16 per person, isn't being extended, according to Kiplinger's reporting on CMS's July announcement. How much your premium moves is plan-specific, so your Annual Notice of Change is the document to read.

Choices are thinning out too. The average Medicare beneficiary nationally could pick from 11 stand-alone drug plans in 2026, down from an average of 30 five years earlier (Kiplinger). Utah had 10 stand-alone Part D plans for sale in 2026 (CMS, via HealthInsurance.org).

There's a bright spot. Negotiated Medicare prices for 15 drugs start in 2027. A 30-day supply of Ozempic, Rybelsus or Wegovy is set at $274, compared with $959 in 2024 (Kiplinger). Your plan's terms still decide what you pay at the counter, so check every prescription against the 2027 formulary and confirm your pharmacy is in network.

Who Gets the $90 Part B Rebate, and Does It Cover the 2027 Increase?

The $90 rebate is a one-time payment for people on Original Medicare Part B who don't pay IRMAA and don't get Medicaid help with their premium. It doesn't cover the 2027 increase. The projected $6.60 monthly bump adds up to $79.20 over a year, so the rebate lines up with roughly one year of it, but it's a single payment and the premium stays higher.

Payments started around October 8 by direct deposit, with paper checks going out later in October. There's nothing to apply for. Medicare Advantage members don't qualify, and in Utah that's more than half of everyone on Medicare.

One warning. Medicare and Social Security will never ask for your bank information to claim the rebate. If someone does, hang up. To check on your payment, call 1-800-MEDICARE (1-800-633-4227).

What Does Missing a Medicare Deadline Cost?

Missing your initial Part B window adds 10% to your premium for each full 12-month period you could have signed up, and that penalty generally lasts as long as you have Part B (Medicare.gov). On the projected $209.50 premium, a single 10% penalty is $20.95 a month.

Part D works differently. The penalty is 1% of the national base beneficiary premium, which was $38.99 in 2026, for each month you went without drug coverage. That's about 39 cents per month of delay, and it's added for as long as you have a drug plan, even if you switch plans.

If you're turning 65, the clock starts earlier than most people expect. Your federal Medigap guaranteed-issue window is six months long and starts when you're 65 and enrolled in Part B (HealthInsurance.org). Outside it, federal rules don't give you a yearly Medigap enrollment period, which is why Utah's HB 258, covered below, is worth knowing about.

Where Can You Get Free Medicare Help in Utah?

Utah's Senior Health Insurance Program (SHIP) offers free one-on-one Medicare counseling in every Utah county. It's run by the Utah Insurance Department's Health Division with the Division of Aging and Adult Services. You can reach the Utah Insurance Department at (800) 439-3805, or call 1-800-MEDICARE.

Already have a Medigap plan? Utah's HB 258, effective May 7, 2025, gives Medigap enrollees a window every year, starting on their birthday and lasting 60 days, to switch to a comparable or lower-tier plan from the same insurer without medical underwriting. The bill doesn't define "comparable," so ask before you switch.

What Should You Check Before December 7?

Five checks cover most of what goes wrong at open enrollment, and each one takes minutes. Start with the Annual Notice of Change your plan sends each fall, since it spells out what's different next year.

Your Annual Notice of Change: premium, deductible, copays and any benefit cuts for 2027
Every prescription against the plan's 2027 formulary, including tier and any prior authorization
Your doctors, hospital and pharmacy against the plan's network
The plan's out-of-pocket limit, if you're on Medicare Advantage
Total yearly cost across plans on Medicare Plan Finder, with premium, copays and drugs added up

Plans can change their drug lists and networks every January, and a drug that was covered this year can land on a higher tier or drop off entirely. Catching that in November costs nothing. Catching it in February can mean waiting until the next window, or burning your one Medicare Advantage change on a fix.

Frequently Asked Questions

How much will Medicare Part B cost in 2027?

Part B is projected to cost $209.50 a month in 2027, up $6.60 from $202.90 in 2026, per the 2026 Medicare Trustees Report. The official figure is expected from CMS in late October or early November.

When does Medicare open enrollment end in 2026?

Medicare's annual enrollment period ends December 7, 2026. Changes you make during the window take effect January 1, 2027.

Can I change my Medicare Advantage plan after December 7?

Yes, if you're already enrolled in Medicare Advantage. From January 1 to March 31, 2027, you can make one change, either to another Medicare Advantage plan or back to Original Medicare.

Did everyone on Medicare get the $90 Part B rebate?

No. The one-time $90 rebate goes to people on Original Medicare Part B who don't pay IRMAA and don't get Medicaid help with their Part B premium. Medicare Advantage members and people with Part A only aren't eligible.

What is the Medicare Part D out-of-pocket cap for 2027?

The Part D out-of-pocket cap is $2,400 in 2027, up from $2,100 in 2026. The maximum Part D deductible is $700.

The Bottom Line

The Medicare Part B cost in 2027 is projected at $209.50 a month, but the number that matters most before December 7 is your own. Run the five checks above, compare your total yearly cost, and make your move by the deadline.

That's it. It takes an afternoon, and it can save you a year of surprises.

Want a second set of eyes on your options before December 7? Call The Insurance Center at (801) 622-2626 or visit us in Farr West or Heber Valley.

We do not offer every plan available in your area. Currently we represent [INSERT NUMBER] organizations which offer [INSERT NUMBER] products in your area. Please contact 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Sources

About the Author: Jett Iverson is the Director of Marketing at The Insurance Center, an independent insurance agency serving Northern Utah since 1995. He works alongside licensed agents to help Utah families and businesses understand their coverage options and make confident insurance decisions.

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Utah health insurance open enrollment 2027 header: rates up 7.4%, enroll by Dec. 15.

Utah Health Insurance Open Enrollment 2027: Rates Up 7.4%, Deadline Dec. 15

By Shawn Iverson • November 3, 2026

If you buy your own health insurance in Utah, you have until Dec. 15 to lock in coverage that starts Jan. 1, and the average premium is rising 7.4% before subsidies. That's according to ACASignups.net's review of the Utah Insurance Department's final 2027 rate filings, and it's only an average: carriers filed average increases anywhere from 3.9% to 15.8%. Here's the short version of Utah health insurance open enrollment 2027. The window runs Nov. 1 through Jan. 15, the Dec. 15 cutoff is the one that keeps you from going uninsured in January, and the number that decides your actual bill is where your income lands against the subsidy limit, not the headline rate hike. Maybe you're self-employed in Weber County. Maybe you're a Heber Valley family that lost employer coverage, or you've let your plan auto-renew for three years without opening the paperwork. Each of you is facing the same calendar and the same rule changes, so here's what's different this year and what to check before you click anything. When Is Utah Open Enrollment for 2027 Health Insurance? Utah open enrollment for 2027 coverage runs Nov. 1, 2026 through Jan. 15, 2027, and you have to enroll by Dec. 15 for coverage to start Jan. 1, according to HealthCare.gov . Utah uses the federal marketplace rather than a state-run exchange, so those are the dates that apply here. Nov. 1, 2026: open enrollment begins Dec. 15, 2026: last day to enroll for coverage starting Jan. 1, 2027 Dec. 16, 2026 to Jan. 15, 2027: you can still enroll, but coverage starts Feb. 1 Jan. 15, 2027: open enrollment ends That Dec. 16 to Jan. 15 stretch is where people get burned. If your current plan ends Dec. 31 and you sign up on Dec. 20, you're uninsured for all of January. Treat Dec. 15 as the real deadline. How Much Are Utah Health Insurance Rates Rising in 2027? Utah's individual market rates rise 7.4% on average for 2027 before subsidies, per ACASignups.net's analysis of the final filings in the Utah Insurance Department's rate database. Preliminary filings had the average at 6.7%. Utah is getting off easier than the country: the national weighted average approved increase is about 14% before subsidies, per HealthInsurance.org's 2027 rate roundup , and Utah's own average increase for 2026 was 14.2%, per its Utah marketplace guide . Where your plan lands depends on the carrier. Preliminary filings, as compiled by ACASignups.net , show: Regence BlueCross BlueShield of Utah: 3.9% average increase SelectHealth: 6.0% average increase, ranging from 4.3% to 15.7% by plan BridgeSpan: 7.5% average increase Imperial Health Plan of the Southwest: 15.8% weighted average increase, ranging from 9.9% to 21.3% by plan University of Utah Health Insurance Plans: double-digit increases, with plan-level changes starting at 10.9% A lower percentage doesn't mean a lower bill. A plan that rises 3.9% from a high starting price can still cost more than one that rises 8% from a cheaper base. For illustration, a 6% increase on a $600 monthly premium adds $36 a month, and 15.8% adds about $95. Compare the 2027 dollar amounts side by side, not the percentages. Do You Still Qualify for Premium Tax Credits in Utah? You qualify for premium tax credits if your household income is at or below 400% of the federal poverty level, which for 2027 coverage is $63,840 for a single person and $132,000 for a family of four, per HealthInsurance.org . The expanded credits that removed that income ceiling expired at the end of 2025, so the cliff is back. Cross the line and the credit disappears entirely. It doesn't taper. The credit still matters a lot in Utah. In 2026, 387,336 Utahns enrolled in private marketplace plans, nearly 90% qualified for a premium tax credit, and the average credit was $499 a month, which brought the average net premium down to $68 a month, according to CMS data summarized by HealthInsurance.org. Nationally, average net premiums rose 58% in 2026 once the expanded credits expired. Income estimates are where self-employed Utahns trip up. The credit is based on the income you project when you apply, and if your actual income lands differently, you can owe money back or get a bigger credit at tax time. For a single filer, projected incomes of $63,000 and $64,500 sit on opposite sides of the $63,840 line. If you're close, talk with your CPA about what counts as income before you finalize the application. What Happens If You Do Nothing During Open Enrollment? If you do nothing, last year's enrollees are generally re-enrolled automatically, but the plan you land in may cost more, change its network, or no longer exist. Carriers have been pulling out of marketplaces around the country for 2027, as Intuit TurboTax noted in an October 2026 guide distributed by Stacker . Auto-renewal also carries forward the income and household information you gave last year. If your income changed, you got married, or a kid aged off your plan, your credit gets calculated on the wrong numbers. Log in, update the application, and look at the 2027 plan list even if you plan to stay put. How Do You Compare Utah Health Plans Without Overpaying? Start with your doctors and prescriptions, not the premium. A cheap plan that drops your specialist or doesn't cover your medication costs more than an expensive one that does. Here's the checklist we walk clients through: Confirm your doctors and hospital are in the 2027 network. Last year's network doesn't count. Check each prescription against the plan's drug list, called a formulary. Compare total cost: the premium plus the deductible and the out-of-pocket maximum. If your household income is at or below 250% of the poverty level, look at Silver plans first. They carry cost-sharing reductions that lower your deductible and copays, and about 44% of Utah's 2026 enrollees picked a Silver plan. Check whether you're eligible for Medicaid or CHIP at medicaid.utah.gov before you buy. If you are, you can't get marketplace credits. Does Using an Independent Agent Cost More Than HealthCare.gov? No. Marketplace premiums are the same whether you enroll through HealthCare.gov or through an agent, and the carrier pays the agent's commission, not you. HealthCare.gov works fine if you already know your plan and your income is simple. An agent earns the time when you're keeping a specific doctor, your income is hard to predict, or something changed this year. At The Insurance Center , we're independent, so we compare plans across carriers instead of selling one company's product. A licensed Utah health insurance agent on our team will check your doctors and prescriptions against the plans, estimate your credit, and walk you through the enrollment step by step. We work with clients from our Farr West and Heber City offices, and by phone anywhere in Utah. Frequently Asked Questions What is the last day to enroll in Utah health insurance for coverage starting January 1, 2027? The last day is Dec. 15, 2026. Enrollments completed from Dec. 16 through Jan. 15, 2027 start Feb. 1. Dates can change, so confirm them at HealthCare.gov before you act. How much will Utah health insurance cost in 2027? Utah individual market premiums rise 7.4% on average for 2027 before subsidies, per ACASignups.net. What you pay depends on your income, your age, and the plan. In 2026, the average Utah marketplace enrollee paid $68 a month after subsidies, according to CMS data summarized by HealthInsurance.org. Is there still a subsidy cutoff for Utah health insurance in 2027? Yes. Premium tax credits stop at 400% of the federal poverty level, which is $63,840 for a single person and $132,000 for a family of four for 2027 coverage. The expanded credits that removed the cutoff expired at the end of 2025. Can you get health insurance in Utah outside of open enrollment? Yes, but only with a qualifying life event such as marriage, a new baby, a move, or losing other coverage. American Indians and Alaska Natives can enroll at any time, and Medicaid and CHIP applications are accepted year-round. Is Medicare open enrollment the same as ACA open enrollment? No. Medicare has its own Annual Enrollment Period, which runs Oct. 15 to Dec. 7, and it's a separate system from the ACA marketplace. The Insurance Center helps with Medicare as well, so call us if you're turning 65 or reviewing a Medicare plan. The Bottom Line on Utah Health Insurance Open Enrollment 2027 Mark Dec. 15 on your calendar, check your projected income against the $63,840 and $132,000 lines, and don't let auto-renewal pick your plan for you. A 7.4% average increase is manageable for most subsidized households, but the carrier you're on and the income you report can move your bill much further than that. Ready to review your 2027 health coverage? Call The Insurance Center at (801) 622-2626 or get a free health insurance quote at theinsurancecenter.com . You can also stop by our Farr West or Heber City office. Rates and dates reflect sources current as of November 2026. Confirm deadlines at HealthCare.gov, and ask your agent how these numbers apply to your situation. About the Author: Jett Iverson is the Director of Marketing at The Insurance Center, an independent insurance agency serving Northern Utah since 1995. He works alongside licensed agents to help Utah families and businesses understand their coverage options and make confident insurance decisions. Sources HealthCare.gov, Dates and deadlines HealthInsurance.org, Utah Health Insurance Marketplace: 2027 ACA Coverage Guide (updated Oct. 30, 2026) HealthInsurance.org, Health insurance premium increases for 2027 ACASignups.net, 2027 Rate Changes: Utah (updated Sept. 17, 2026) Utah Insurance Department, Health Insurance Rate Transparency Database Intuit TurboTax via Stacker, 10 things to know about open enrollment for 2027

Utah umbrella insurance cost header: a $1 million policy averages about $383 a year.

Umbrella Insurance Cost in Utah: About $383 a Year for $1 Million in Coverage

By Shawn Iverson • October 29, 2026

A $1M umbrella policy averages $383 a year, but the price depends on what you carry underneath it. See real costs and what Utah drivers need. (801) 622-2626

Utah general liability insurance by industry header showing costs from $900 to $25,000+ a year

Utah General Liability Insurance by Industry: $900 to $25,000+ a Year

By Shawn Iverson • October 16, 2026

Utah general liability costs $900 for a restaurant and $18,000+ for a trampoline park. See what GL covers by industry. Call (801) 622-2626.

Medicare Part B Cost in 2027: Projected at $209.50 a Month, and What Utahns Should Check Before Dec 7