The bottom line: I think of AARP Medicare Supplement Insurance as the Swiss Army knife of Medigap companies. AARP offers plan types for every scenario — often with multiple options for pricing and extra benefits. Its plans are available everywhere, and complaint rates are also well below the market average. So wherever you are and whatever coverage you want, you can probably find a fitting option from AARP.
But not all Swiss Army knife tools — or all Medigap plan options — are actually useful. Figuring out what’s included and what’s a good value among AARP’s plan variations can be confusing. And plans with “wellness extras” might cost more, while some competitors include similar perks for free. Our data also shows AARP’s year-over-year price increases are bigger than most competitors.
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AARP Medicare Supplement Insurance plans
AARP offers more Medigap plan types than many competitors.
Medigap Plan G or Plan N will still be the best bet for most people. Unless you have a compelling reason to want something else, one of these two high-coverage options probably offers everything you need.
» MORE: Medigap Plan G vs. Plan N
If you’re looking for just the basics, there’s also Plan A and Plan B. These plans might be cheaper, but they lack some of the benefits of other plan types. (And watch out — they’re not always cheaper! Sometimes pricing gets weird.)
If you’re aiming for lower premiums, you could choose Plan K or Plan L. These plans are often cheaper, but they pay for only part of most covered services. Plan K covers 50%, and Plan L covers 75%.
Plan C and Plan F are available if you became eligible for Medicare before 2020. But if you’re newer to Medicare, companies can’t sell you these plans anymore.
AARP’s plans in Massachusetts, Minnesota and Wisconsin fit each state’s respective standards. (Those states use different Medigap plan systems than most of the country.)
Medicare Select policies add network requirements
AARP and UnitedHealthcare offer Medicare Select policies in some locations. These plans cover the same Medicare services as any Medigap plan of the same type, but they require beneficiaries to get inpatient services from in-network hospitals and health care providers.
In exchange for the network restrictions, Select plans may offer lower premiums than their non-Select counterparts.
Opting for the Medicare Select version won't save you money in every case. Compare quotes carefully to see what you might save (or not).
If you have a Medicare Select plan and get services from an out-of-network hospital, you become responsible for the Medicare Part A deductible, which is $1,736 in 2026. Exceptions are available for emergency services, services not available from an in-network hospital and when you’re more than 100 miles from home.
How much does AARP Medicare Supplement Insurance cost?
Competitive prices for Plan G, less so for Plan N
When I analyzed AARP’s Medicare Supplement rates, I found that the pricing really depends on the plan type you choose.
AARP's premiums for Plan G were about 21% higher than the least expensive company we review, on average. That’s pretty competitive. Premiums for Plan N were about 46% higher — which isn’t great.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year-old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
AARP / UnitedHealthcare price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $207. | $191. |
Atlanta | $178. | $140. |
Dallas | $177. | $138. |
Plan N
AARP / UnitedHealthcare price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $176. | $146. |
Atlanta | $158. | $102. |
Dallas | $152. | $93. |
AARP membership
You need to have an AARP membership to enroll in an AARP-branded insurance policy. An AARP membership typically costs $20 per year. Discounts may be available for new members, automatic renewal and/or longer membership terms.
AARP Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
AARP’s household discounts averaged about 12% in the locations we used for this review. That’s higher than average among Medicare Supplement companies we analyzed.
AARP offered discounts in all three locations priced for this review. Most AARP household discounts do require you to live with a spouse, not just with another adult.
Available discounts may vary according to factors such as your location, household status and how you apply for a policy.
More Nerdy Perspective
Is AARP Medicare Supplement Insurance from UnitedHealthcare good?
Yes, AARP Medigap plans are good. They have low complaint rates, many plan types and higher-than-average discounts. But if you don’t need AARP’s array of plan options, State Farm is a strong, simple alternative. And HealthSpring (formerly Cigna) could be worth a look for cheaper premiums. Medigap options can vary by location, so I'd recommend comparing a few companies' quotes and/or working with a licensed agent.
Yes, AARP Medigap plans are good. They have low complaint rates, many plan types and higher-than-average discounts. But if you don’t need AARP’s array of plan options, State Farm is a strong, simple alternative. And HealthSpring (formerly Cigna) could be worth a look for cheaper premiums. Medigap options can vary by location, so I'd recommend comparing a few companies' quotes and/or working with a licensed agent.
Alex Rosenberglead writer covering MedicareCompare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
AARP Medicare Supplement price increases
Premiums rise faster than average
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
In the past three years of Medigap price data I analyzed, AARP’s premiums went up an average of 12% per year across the locations I tracked. That’s on the high side among companies we review.
UnitedHealthcare member complaints
30% fewer complaints than average
AARP has good complaint rates. Its members file complaints 30% less often than the Medigap industry average. That's according to 2023 to 2025 data from the National Association of Insurance Commissioners.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
UnitedHealthcare’s spending on care
82.6% for member benefits
AARP Medigap plans spent 82.6% of premiums on member benefits, according to the most recent annual data. (The other 17.4% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s a little below the all-company average of 84.5%, but not enough that I’d read anything serious into it.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
More perks than many competitors
Medigap plans have standardized Medicare benefits, but companies can offer additional perks. Here are examples of extra benefits available with some AARP Medigap policies:
24/7 nurse line: Members can call to speak with a nurse to ask questions, discuss concerns or get help accessing community resources.
Gym memberships: Some plans include gym memberships at no additional cost.
Discounts for dental, hearing and vision: Some plans include discounts on dental services, eye exams, eyewear and hearing devices from certain providers.
Note: In some cases, extra perks are included only in plans sold with the “+ wellness extras” label. In most cases, these extras carry an additional cost over a version of the same plan without the extras. However, in some states, such as California, there is no option — plans automatically include the extras even though there’s no “+ wellness extras” label.
UnitedHealthcare Medicare Supplement Insurance service area
AARP offers UnitedHealthcare-insured Medicare Supplement Insurance plans in all 50 states, plus Washington, D.C.
UnitedHealthcare is by far the largest Medicare Supplement Insurance company. The company covers over 4.3 million Medigap beneficiaries. Its share of the total Medicare Supplement Insurance market is about 34.8%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About AARP
AARP is a nonprofit interest group and advocacy organization. It advocates for local, state and national policies on behalf of older Americans. AARP members can access benefits through the organization, including discounts on products and services.
About UnitedHealthcare
UnitedHealthcare is part of UnitedHealth Group, which is headquartered in Eden Prairie, Minnesota. It's the largest health insurance company in the U.S. The company offers individual- and employer-based health insurance plans, Medicare and Medicaid plans, dental and vision plans, and other types of supplemental insurance.
Read the NerdWallet reviews of these other AARP/UnitedHealthcare Medicare offerings:
Read the NerdWallet reviews of these other AARP insurance products:
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized. But in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best for plan availability
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Higher-than-average annual price increases.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 20, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 20, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 20, 2026.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |