AARP Medicare Supplement Insurance
- Best for: Couples and buyers who want the largest Medigap insurer, sold in every state
- What Sets It Apart: Sold in all 50 states and Washington, D.C.; household discount
- Cost: Plan G at 65 on Medicare.gov (September 2026): $181.30 to $212.11 a month for a woman and $204.79 to $239.56 for a man in Dallas, Columbus, and Phoenix; AARP membership $20 a year
- Features: Plans A, B, G, K, L, and N (C and F if eligible before 2020); community rating with an enrollment discount that ends at 81; apply online, by phone, or through an agent; UnitedHealthcare Insurance Company of America also sells AARP plans in Ohio and Arizona
- Pros: NAIC complaint index of 0.54 to 0.73 from 2023 to 2025; A (Excellent) from AM Best; household discount
- Cons: Premium rises as the enrollment discount fades; Plan G up 18.2% in Texas, 14.6% in Ohio, and 10% in Arizona in 2026; three-year increases of 12% a year in NerdWallet’s tracking, on the high side; Plan N among the priciest in Dallas; no high-deductible Plan G in Dallas, Columbus, or Phoenix
Choose an AARP Medicare Supplement plan if you want the largest Medigap insurer, sold in every state, with fewer complaints than its size predicts. Don’t judge it by the price at 65, though. That price carries an enrollment discount that shrinks after 68, so ask what you’ll pay at 75 before you apply.
UnitedHealthcare insures the plans, pays AARP a disclosed royalty for the name, and requires a $20-a-year AARP membership to apply. They fit couples and buyers who value the largest insurer over the lowest premium.
Key Features
- Plans A, B, G, K, L, and N, plus C and F if you qualified before 2020
- Plan G at 65 on Medicare.gov (September 2026): $212.11 a month for a woman and $239.56 for a man in Dallas, $181.30 and $204.79 in Columbus, and $201.89 and $227.81 in Phoenix; Plan N, $160.10 to $181.76 for a woman and $180.84 to $205.24 for a man
- Women’s Plan G ranks 27th of 33 policies in Dallas, 23rd of 41 in Columbus, and 16th of 39 in Phoenix
- One base price at every age in all three states (community rating), less an enrollment discount that fades after 68
- In Ohio and Arizona, UnitedHealthcare Insurance Company of America also sells AARP plans, with pricier Plan G and cheaper Plan N
Pros
- Largest Medigap insurer, sold in all 50 states and D.C.
- NAIC complaint index of 0.54 to 0.73 from 2023 to 2025, below the 1.00 expected for its size
- Household discount that cuts women’s Plan G to $177.01 in Dallas, $160.26 in Columbus, and $178.49 in Phoenix
- AM Best rating of A (Excellent), cut from A+ in August 2025 and affirmed in August 2026
- Apply online, by phone, or through an agent
Cons
- Losing the 39% Texas discount between 68 and 81 raises the premium about 64% before any rate increase (our math)
- 2026 Plan G increases of 18.2% in Texas, 14.6% in Ohio, and 10% in Arizona, per CSG Actuarial; increases averaged 12% a year over three years in NerdWallet’s three-city tracking, on the high side
- Plan N among the priciest for women in Dallas, 28th of 30
- No high-deductible Plan G in Dallas, Columbus, or Phoenix
Couples and anyone set on the largest insurer should get an AARP quote. Price-first shoppers in Dallas and Columbus will find cheaper Plan G and N elsewhere.
Editorial & Advertiser Disclosure: The editorial content on this page is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed here are ours alone, not those of any advertiser. The offers that appear on this site are from companies that compensate us. That compensation may influence which products we cover and where and how they appear on a page – including the order in which they appear – but it does not influence our evaluations, ratings, or opinions. We do not include every company or offer available in the marketplace.
Related:
