Best Medicare Supplement Plans in Utah (2026)
Compare the top-rated Medigap carriers in Utah. Plan G starts at $152/mo with 25+ carriers licensed statewide.
Utah Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, Utah does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
More than 65,000 Utah residents have Medicare Supplement Insurance, also called Medigap. Utah follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Utah does not have a birthday rule or anniversary rule, which means your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best and most important opportunity to lock in coverage. After that window closes, carriers can use medical underwriting to deny your application or charge higher premiums based on your health history.
Plan G premiums in Salt Lake City range from $152/mo (LifeShield National) to $198/mo (AARP/UHC) for a 65-year-old. MedMutual Protect offers the lowest Plan N at $108/mo. State Farm stands out with an A++ AM Best rating and a large local agent network across Salt Lake City, Provo, St. George, and Ogden.
Compare the Best Medicare Supplement Plans in Utah
Our top-rated Medigap carriers in Utah, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Salt Lake City. Rates in Provo, St. George, and Ogden may vary slightly.
LifeShield National
Plan G
$152/mo
Plan N
$119/mo
AM Best
A-
LifeShield National offers the lowest Plan G premium in Utah at $152/mo, saving $44/mo compared to the state average. Their attained-age pricing starts low and they offer Plans A, F, G, and N across the state.
MedMutual Protect (Medical Mutual of Ohio)
Plan G
$155/mo
Plan N
$108/mo
AM Best
A
MedMutual Protect offers the lowest Plan F in Utah at $171/mo and the lowest Plan N at $108/mo. Their Plan G at $155/mo is also highly competitive. A-rated by AM Best with strong claims-paying history.
State Farm
Plan G
$178/mo
Plan N
$132/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers Plan G at $178/mo in Utah. With a large local agent network across Salt Lake City, Provo, and St. George, State Farm is the top choice for Utah seniors who prefer face-to-face service.
Transamerica
Plan G
$183/mo
Plan N
$135/mo
AM Best
A
Transamerica is the only carrier in Utah offering all 10 standard Medigap plan types with issue-age pricing. Your premium is locked at the rate for your age when you enroll, protecting you from age-based increases. Best choice for long-term rate stability.
USAA
Plan G
$160/mo
Plan N
$N/A/mo
AM Best
A++
USAA offers Plan G at $160/mo in Utah with an A++ AM Best rating. However, USAA Medigap is only available to military members, veterans, and their eligible family members. If you qualify, USAA is one of the best value carriers in the state.
Medicare Supplement Prices in Utah
Sample monthly premiums from top carriers in Salt Lake City for a 65-year-old female nonsmoker. Rates may include available household discounts. Utah uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| LifeShield National | $152 | $119 | $184 |
| MedMutual Protect | $155 | $108 | $171 |
| USAA* | $160 | N/A | $195 |
| State Farm | $178 | $132 | $210 |
| Transamerica | $183 | $135 | $198 |
| Humana | $195 | $142 | $218 |
| AFLAC | $188 | $138 | $205 |
| Cigna | $192 | $140 | $215 |
| AARP / UnitedHealthcare | $198 | $145 | $220 |
*USAA is only available to military members, veterans, and eligible family members. Lowest Plan G for the general public: $152/mo (LifeShield National). Source: Utah DOI, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Utah
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Utah. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Part A coinsurance | Covered | Covered |
| Part B coinsurance | Covered | Covered* |
| Part B excess charges | Covered | Not covered |
| Part B deductible ($283) | Not covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Part A deductible ($1,676) | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Salt Lake City) | $152-$198 | $108-$145 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Utah allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
Utah has no birthday rule, so your initial enrollment decision is the most important one you will make. Do not just pick the cheapest premium today. Consider long-term rate stability: attained-age plans (most carriers) will increase every year as you age, while Transamerica uses issue-age pricing that locks in your rate at enrollment. For most Utah seniors, LifeShield National at $152/mo is the best value Plan G. If you want the highest financial strength, State Farm (A++) at $178/mo with local agents in Salt Lake City, Provo, and St. George is the safest bet. MedMutual Protect at $108/mo is the clear winner for Plan N.
Utah Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule in Utah
Utah does not have a birthday rule or anniversary rule. Outside of your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B, you will face medical underwriting if you try to switch Medigap carriers. This makes your initial plan choice especially important.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is the best time to enroll.
Under-65 Coverage Not Required
Utah does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare, you may have difficulty finding Medigap coverage in Utah. Some carriers offer it voluntarily at higher rates.
Attained-Age Rating Dominates
Most Utah Medigap carriers use attained-age rating, meaning your premium increases as you get older. Transamerica is a notable exception, using issue-age rating where your premium is locked at the rate for your age when you enroll. Issue-age plans often start higher but can be cheaper over the long term.
Excess Charges Are Allowed in Utah
Utah does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G is the safer choice.
Free Help via Utah SHIP
Utah's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-541-7735 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Utah market average
Plan Availability
Number of plan types offered in Utah
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Utah Insurance Department, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Utah ZIP Code
Utah has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $152/mo in Salt Lake City. Compare all available carriers in your area before enrolling.