Turning 65 in Sandy and Draper
Sandy is the oldest big suburb on the Wasatch Front, with nearly 16% of residents past 65; Draper is a younger corporate campus town. Both are full of people finishing careers at fintech, insurance, and medical-device employers with large-group plans.
Sandy’s subdivisions were built in the 1970s through 1990s and their owners stayed: 15.8% of the city’s 94,000 residents are 65 or older, against 10% in Draper and 11.9% statewide. The employers are large and private: Becton Dickinson’s infusion plant is Sandy’s biggest, followed by American Express, Mountain America Credit Union’s headquarters, NICE inContact, Morgan Stanley, and Intermountain’s Alta View Hospital. Draper adds Edwards Lifesciences, 1-800 Contacts, Swire Coca-Cola, eBay, HealthEquity, and Progressive Leasing.
That mix produces one dominant situation: a 65-year-old on a good employer plan, often with a health savings account, who does not need Part B yet and should not accidentally end HSA eligibility by taking Part A or claiming Social Security. The Canyons School District, headquartered in Sandy, is the public-sector counterpart, where the PEHP supplement is the retirement-day question.
Medicare-at-65 situations we see in Sandy & Draper
HealthEquity, BD, Edwards, and other HSA-heavy employers
Delay both Part A and Part B on current employer coverage and contributions can continue. Part A backdates six months when you finally enroll, so plan the stop date.
Medicare and your HSA →Canyons School District and Sandy City employees
PEHP coverage from a current job counts as employer coverage; after retirement, any former URS member can buy the PEHP Medicare Supplement. Ask HR whether the district subsidizes it.
Still working at 65 →Alta View and Intermountain caregivers
Nurses working past 65 on the Intermountain plan can delay Part B; the 8-month window starts the month after the last shift.
Enrollment window calculator →Early retirees leaving fintech at 62
Three years of coverage to bridge, priced after the 2026 marketplace subsidy change, and a severance year that sets the first Medicare premium.
Retiring before 65 →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)
- South Jordan field office
10138 S Jordan Gateway, South Jordan, UT 84095
Phone 866-690-1947 · Monday–Friday, 9:00 AM–4:00 PM - 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 is the closest office for both cities. 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)
Salt Lake County Aging & Adult Services: 385-468-3200. Sandy Senior Center, 9310 S 1300 E (385-468-3410); Draper Senior Center, 1148 E Pioneer Road (385-468-3330).
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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