2027 Medicare Open Enrollment in Layton, Utah
Plans change every year. Make sure yours still fits before December 7.
Get a no-cost plan review with a local, independent broker. We compare the plans we offer in your area against your prescriptions, doctors, and budget.
- No cost to you
- In person or by phone
- Local to Northern Utah
Key dates for 2027 Medicare enrollment
Mark these on your calendar. The Annual Enrollment window is only eight weeks long.
By September 30
Your Annual Notice of Change arrives
If you have a Medicare Advantage or Part D plan, your plan mails a letter explaining what changes for 2027 — premiums, copays, covered drugs, and network.
Early October
2027 plans are published
New plan details for 2027 become available, so you can compare options before enrollment opens.
October 15, 2026
Annual Enrollment opens
You can join, switch, or drop Medicare Advantage and Part D drug plans.
December 7, 2026
Annual Enrollment closes
The last day to make changes for the coming year. Changes made after this generally have to wait for a special enrollment period.
January 1, 2027
New coverage starts
Any change you made during Annual Enrollment takes effect on January 1.
January 1 – March 31, 2027
Medicare Advantage Open Enrollment
If you are in a Medicare Advantage plan, you get one more chance to switch to a different Medicare Advantage plan or go back to Original Medicare.
Why review your plan every year
Even if you liked your plan this year, it may not be the same plan in 2027. These are the changes we check for.
Your prescriptions
Plans change which drugs they cover and what tier they are on every year. A drug that was affordable this year might cost more next year.
Your doctors and hospitals
Provider networks change. We check that the doctors, specialists, and hospitals you rely on are still in network.
Premiums and copays
Monthly premiums, deductibles, and copays can all change. We compare your total expected cost, not just the premium.
Your pharmacy
Preferred pharmacies can change from year to year, which affects what you pay at the counter.
What you can change during Annual Enrollment
- Switch from Original Medicare to a Medicare Advantage plan
- Switch from a Medicare Advantage plan back to Original Medicare
- Change from one Medicare Advantage plan to another
- Join, switch, or drop a Medicare Part D prescription drug plan
What to have ready for your review
- Your red, white, and blue Medicare card
- A list of your prescriptions, with doses
- The names of your doctors and specialists
- Your preferred pharmacy
- Your Annual Notice of Change letter, if you received one
How a plan review works
Book your review
Call (801) 725-4448 or request a time online. Reviews are available in person in Layton or by phone.
We compare your options
We look at the 2027 plans we offer in your area against your drugs, doctors, and budget.
You decide
We explain the trade-offs in plain language. If staying put is the right call, we will tell you.
We help you enroll
If you choose a new plan, we handle the enrollment and stay available all year if questions come up.
Medicare Open Enrollment questions
Common questions about Medicare and health insurance, answered in plain language. Don't see yours? Call us at (801) 725-4448 — we're happy to help.
Medicare's Annual Enrollment Period runs from October 15, 2026 through December 7, 2026. Changes you make take effect on January 1, 2027.
No. If you do nothing, most people stay in their current plan for the next year. But plans change every year, so it is worth confirming your drugs, doctors, and costs still work before December 7.
No. There is no cost to you for our help. As a licensed broker, we are paid by the insurance carriers when you enroll.
Annual Enrollment applies to Medicare Advantage and Part D drug plans. Medigap plans work differently: you can apply to change at other times of the year, but you may have to answer health questions. We can walk you through your options.
Usually not. When you first become eligible for Medicare, you have your own Initial Enrollment Period around your 65th birthday. Give us a call and we will help you map out your dates.
Outside of Annual Enrollment, you generally can only change plans if you qualify for a special enrollment period, such as moving or losing other coverage. If you are in a Medicare Advantage plan, you also have one chance to switch between January 1 and March 31.
Get your 2027 plan review on the calendar
Appointments fill up fast between October 15 and December 7. Book a no-cost review with a local, independent advisor in Layton.
No cost · No obligation · Independent guidance across multiple carriers