G, N, K, L, F (existing) + select
Available in most states
5%
$16/year required
Quick verdict
Best for: new-to-Medicare enrollees who value brand recognition, rate stability, and the security of dealing with the largest Medigap insurer in the country. Particularly strong choice if you and a spouse both enroll (5% household discount applies to both policies).
Not for: shoppers focused purely on the lowest possible monthly premium. AARP/UHC rates are competitive but rarely the absolute lowest in any specific ZIP. Smaller carriers (Mutual of Omaha, Cigna, Humana, regional Medigap-only carriers) often beat AARP/UHC on premium for the same federally-standardized Plan G or Plan N coverage.
Strengths
- Brand stability and financial strength. UnitedHealthcare is one of the largest health insurers in the U.S.; A.M. Best A+ rated.
- Widest plan letter availability. Plans G, N, K, L, F (existing enrollees), plus select plans in many states.
- 5% household discount applies to both spouses' policies.
- Moderate, somewhat predictable rate increases. Historical 3-7% annual increases in most states for Plan G; less volatile than some smaller carriers.
- Customer service infrastructure. Large call centers, online member portal, mobile app, integrated UHC pharmacy and OTC benefits available with separate enrollments.
- Free Renew Active fitness membership through AARP Medicare Supplement plans (in most states).
Watchouts
- Rarely the absolute cheapest. Brand premium typically lands rates in the middle-to-upper-middle of the carrier distribution.
- AARP membership required ($16/year). Erodes the household discount slightly; not free.
- Rate increases tend to be reliably annual. While increases are moderate, they happen consistently — some smaller carriers go 18-24 months between increases.
- Limited Medigap-specific specialization. UHC is also a major Medicare Advantage player, which some independent observers see as a conflict — though the federally-standardized nature of Medigap limits practical impact.
Plan availability and 2026 typical rates
Sample monthly premium ranges below are approximations for 2026; actual rates vary by ZIP, age, gender, tobacco status, and any household discount. Always get a specific quote for your situation.
| Plan | Availability | Typical 2026 monthly premium (Female 65, no tobacco) |
|---|---|---|
| Plan G | All 50 states | $135–$215 |
| Plan N | All 50 states | $110–$170 |
| High-Deductible Plan G | Most states | $45–$80 |
| Plan F (existing enrollees only) | All 50 states | $160–$240 |
| Plan K | Most states | $70–$110 |
| Plan L | Most states | $90–$140 |
How AARP/UHC Medigap compares to other major carriers
Same-letter Medigap is federally standardized — coverage on AARP/UHC Plan G is identical to coverage on Mutual of Omaha Plan G or Cigna Plan G. The differences come down to price, rate-increase history, customer service, and ancillary benefits.
- vs Mutual of Omaha: Mutual of Omaha frequently underprices AARP/UHC by 5-15% in many ZIPs, particularly at younger Medicare ages. AARP/UHC counters with the brand premium and household discount.
- vs Cigna: Cigna is often very competitive at younger Medicare ages and has aggressive new-enrollee pricing. AARP/UHC typically wins on long-term rate stability vs Cigna's more variable increases.
- vs Humana: Humana is more limited in Medigap (its Medicare Advantage business is much larger); pricing varies. AARP/UHC has broader plan letter availability.
- vs regional Medigap-only carriers (e.g., Manhattan Life, ACE/Chubb, Garden State Life): Specialists often beat AARP/UHC on premium but may have higher rate-increase volatility or weaker financial strength ratings.
The AARP membership math
$16/year is required for AARP membership. Spread across 12 months that's $1.33/month. The 5% household discount on a Plan G policy at $150/mo saves $7.50/mo per policy, or $15/mo combined for a couple — comfortably exceeding the $2.66/mo combined membership cost. For a single enrollee, the math is closer: $1.33/mo membership cost vs $7.50/mo discount only applies if you're paired with a spouse. Single AARP/UHC enrollees should specifically compare against carriers without membership requirements.
The bottom line for AARP/UHC Medicare Supplement
AARP-branded Medicare Supplement plans through UnitedHealthcare are a solid mainstream choice — particularly for couples (where the household discount applies) and for shoppers who place high value on brand stability and predictable rate increases over chasing the absolute lowest premium.
For shoppers focused purely on lowest premium for the same standardized Plan G or Plan N coverage, smaller carriers in your specific ZIP often win. We compare every Medigap carrier available in your ZIP — not just the brand-name options.
Get an AARP/UHC Medigap quote in your ZIP
Same-day pricing from AARP/UHC plus 4–6 other Medigap carriers in your ZIP for side-by-side comparison.
📞 Call 256-800-4885Frequently asked questions
Is AARP Medicare Supplement actually AARP or UnitedHealthcare?
Both. AARP licenses its brand to UnitedHealthcare Insurance Company, which underwrites and administers the policies. AARP receives royalty payments. The plans are federally-standardized Medigap, so coverage is identical to the same letter from any other Medigap carrier — only price and rate-increase history differ.
Do I need to be an AARP member to buy AARP Medicare Supplement?
Yes. AARP membership ($16/year individual) is required to purchase or maintain AARP-branded Medicare Supplement coverage.
What is the AARP Medigap household discount?
5% discount when two adults aged 65+ in the same household both enroll. Discount applies to both policies.
How are AARP Medicare Supplement rate increases?
Moderate (3-7% annually) and somewhat predictable. State Department of Insurance filings show actual approved increases. Plan F is seeing larger increases than Plan G across all carriers because Plan F is closed to new enrollees.
Is AARP/UHC the cheapest Medigap?
Rarely. Usually competitive but not the lowest. Smaller carriers often beat AARP/UHC on premium for the same federally-standardized Plan G or Plan N. Always compare 2-3 other major carriers in your specific ZIP before deciding.