Turning 65 in Park City
A small, affluent, second-home-heavy resort town where nearly 22% of full-time residents are past 65. Two situations dominate: the owner who makes Park City the primary residence after retiring, and the seasonal worker who turns 65 without employer coverage.
Park City’s year-round population is about 8,400, but Summit County adds thousands of seasonal employees each winter at Park City Mountain (Vail Resorts) and Deer Valley (Alterra), which is doubling in size. Seasonal work matters for Medicare because a seasonal plan that ends in April is not the kind of continuous current-employment coverage that earns a Special Enrollment Period. A 64-year-old lift operator without year-round coverage should treat the 7-month Initial Enrollment Period as the only window.
The other Park City story is residency. A second-home owner who retires and makes Utah home keeps Original Medicare unchanged, but a Medicare Advantage plan from the old state does not follow; the move opens a special enrollment period to choose a Summit County plan. A Medigap policy continues to work anywhere, possibly re-rated. Park City School District, Summit County, Park City Municipal, and Intermountain Park City Hospital are the year-round employers whose staff follow the standard large-group and PEHP rules.
Medicare-at-65 situations we see in Park City
Making the second home the primary residence
Report the new address to Social Security and your plan. Advantage members choose a new plan; Medigap continues, with possible re-rating and Utah’s same-insurer birthday rule.
Medigap vs. Advantage →Seasonal resort workers turning 65
Seasonal coverage that ends each spring does not create a Special Enrollment Period. Enroll during the 7-month Initial Enrollment Period.
Enrollment window calculator →School district, county, city, and hospital employees
Current coverage lets Part B wait; former URS members can buy the PEHP Medicare Supplement at retirement.
Still working at 65 →Selling a property or a business at 63
The gain lands in the two-year lookback. Plan the timing; a gain alone is not an appealable event.
Surcharge calculator →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)
- Salt Lake City field office (moved in 2024)
2511 S West Temple, Suite 100, South Salt Lake, UT 84115
Phone 866-851-5275 · Monday–Friday, 9:00 AM–4:00 PM - South Jordan field office
10138 S Jordan Gateway, South Jordan, UT 84095
Phone 866-690-1947 · Monday–Friday, 9:00 AM–4:00 PM
There is no Summit County field office; both Salt Lake County offices are 35 to 40 miles away. 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)
Mountainland Department of Aging & Family Services covers Summit County: 801-229-3800, SHIP counselor 801-229-3819. Park City Senior Citizens Center, 1361 Woodside Avenue (435-649-7261); North Summit, Coalville (435-336-3024); South Summit, Kamas (435-783-4311).
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.
- No-cost, no-obligation consultation
- Statewide by phone or video
- Education first — no plans sold here
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