Medicare in Utah

Utah has a Medigap birthday rule. Once a year, around your birthday, you can switch to another Medigap plan with equal or lesser benefits without answering health questions. The exact window length and rules are set by state regulators, so the details matter. Outside that window, and outside your original six-month Medigap Open Enrollment Period, standard medical underwriting usually applies.

Pinnacle Insurance Advisors is licensed in Utah. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Utah clients work with us entirely by phone.

Utah's rule comes from a 2025 law that took effect on May 7, 2025. Each year, beginning on your birthday and ending 60 days later, your current issuer must let you choose a different one of its Medicare supplement plans that is a comparable or lower tier than your current plan, and it may not deny that enrollment based on medical underwriting.