Turning 65 in Ogden
Home to the state’s largest single federal civilian workforce, which makes Ogden’s Medicare question different from the rest of the Wasatch Front: not whether to delay Part B, but whether to take it at all alongside a federal plan.
The IRS campus employs between 7,000 and 10,000 people in Ogden, and 2025 brought a wave of buyouts and layoffs followed by rehiring. Many of those separations landed at or near 65. Federal employees and retirees keep FEHB for life, and Part B is optional for them: FEHB pays whether or not you enroll, but some FEHB plans waive deductibles and copays when Medicare is primary, which can make the $202.90 premium worth paying. That is a plan-by-plan calculation, and turning 65 is a one-time qualifying event to change FEHB plans.
Outside the federal campus, Ogden’s employers follow the normal large-group rules: McKay-Dee Hospital and Ogden Regional, America First Credit Union’s headquarters, Autoliv, Fresenius, and Weber State University. Weber and Ogden school districts and the county add the public-sector PEHP path. And Weber County is where many Hill Air Force Base retirees live, so TRICARE For Life, which requires Part B, is part of the picture here too.
Medicare-at-65 situations we see in Ogden
IRS employees and retirees (FEHB)
Part B is optional with FEHB. Compare your FEHB plan’s Medicare coordination before deciding; if you skip Part B and want it later, the penalty applies.
Part B penalty calculator →McKay-Dee, Ogden Regional, and America First staff
Large-group coverage lets Part B wait; the 8-month window starts when the job ends. Ask HR about creditable drug coverage.
Still working at 65 →Military retirees living in Weber County
TRICARE For Life is automatic with Parts A and B and does not work without Part B. Enroll during your Initial Enrollment Period.
Enrollment window calculator →Weber State and school-district employees
Current coverage counts while working; at retirement, any former URS member can buy the PEHP Medicare Supplement.
Windows and penalties →If you ever had URS or PEHP benefits
You and your spouse can buy the PEHP Medicare Supplement at 65 whether or not your former employer offers retiree coverage; it requires Parts A and B. Plan 100 is $154.17 a month at 65 for 2026 (age-rated), and PEHP’s retiree counselors are at 801-366-7499. Whether your specific district, city, or county subsidizes it is an HR question; ask before your last day.
Free local help
Social Security (enrollment)
- Ogden field office
324 25th Street, Suite 2403, Ogden, UT 84401
Phone 877-378-9081 · Monday–Friday, 9:00 AM–4:00 PM
The Ogden office serves Weber and Davis counties. Confirm hours and address at ssa.gov/locator or 1-800-772-1213 before you go; most people enroll online at ssa.gov/medicare without a visit.
SHIP Medicare counseling (plan questions)
Weber Human Services Area Agency on Aging (Weber and Morgan counties): 801-625-3770, SHIP coordinator 801-625-3664, 237 26th Street, Suite 320. Golden Hours Senior Center, 650 25th Street.
Utah SHIP (Senior Health Insurance Information Program), statewide: 1-800-541-7735. Counselors are trained volunteers and do not sell plans. Medigap rate comparison for Utah: medigap.utah.gov.
Employer names are mentioned for local context only. We are independent and not affiliated with or endorsed by any employer, plan, insurer, or agency listed. Employer counts are from the Utah Department of Workforce Services list or city financial reports; age figures are U.S. Census Bureau ACS 2020–2024 estimates.
Talk it through before you decide
Bring your birth date, your work situation, and last year’s tax return. Leave knowing your enrollment window, what Medicare will cost you, and whether the income surcharge applies.
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