AARP Medicare Supplement Plans 2027: Plan F, Plan G and Costs
Updated October 12, 2026. AARP Medicare Supplement plans are Medigap policies insured by UnitedHealthcare Insurance Company and sold to AARP members. The lineup includes Plans A, B, G, K, L and N, plus Plans C and F for people who were eligible for Medicare before January 1, 2020. Plan F pays your Part A and Part B deductibles, and Plan G covers everything Plan F does except the Part B deductible ($283 in 2026).
Quick answer: You need an AARP membership to enroll (non-members can join for $20 a year). Benefits for each plan letter are set by federal law, so an AARP Plan G covers the same things as any other Plan G; the price and the company differ. AARP Medicare Supplement plans don’t include drug coverage, so most people add a Part D plan. AARP-branded Medicare Advantage plans are a different product, also from UnitedHealthcare.
AARP Medicare Supplement plans at a glance
| Plan | Main benefits | Who can buy it |
|---|---|---|
| Plan A | Basic benefits: Part A coinsurance and hospital costs, Part B coinsurance, blood, hospice coinsurance | AARP members with Parts A and B |
| Plan B | Plan A plus the Part A deductible | AARP members with Parts A and B |
| Plan C | Most benefits, including the Part B deductible; no Part B excess charges | Only if eligible for Medicare before 1/1/2020 |
| Plan F | All Medigap benefits, including both deductibles and Part B excess charges | Only if eligible for Medicare before 1/1/2020 |
| Plan G | Everything in Plan F except the Part B deductible | AARP members with Parts A and B |
| Plans K and L | Lower premiums; you pay a share of costs up to a yearly out-of-pocket limit | AARP members with Parts A and B |
| Plan N | Most Plan G benefits, with copays of up to $20 for some office visits and $50 for some ER visits; no excess charges | AARP members with Parts A and B |
Some states also have Select or high-deductible versions. Massachusetts, Minnesota and Wisconsin use their own Medigap plan designs. See all plan letters side by side in our Medigap insurance guide.
AARP Medicare Supplement Plan F benefits
Plan F is the most complete Medigap plan. After Medicare pays its share, Plan F pays the rest of your Medicare-approved costs, including:
- The Part A hospital deductible ($1,736 per benefit period in 2026)
- The Part B deductible ($283 in 2026)
- Part A coinsurance and hospital costs, plus 365 extra hospital days
- Part B coinsurance and Part B excess charges
- Skilled nursing facility coinsurance
- 80% of foreign travel emergency care, up to plan limits
The catch: Medicare.gov says Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you were eligible before then, you can still apply, though you may face medical questions outside your Medigap Open Enrollment Period. Read more in Medicare Plan F supplement.
Does AARP Plan G cover the Medicare deductible?
Plan G covers the Part A deductible but not the Part B deductible. In 2026, you pay the first $283 of Part B costs each year; after that, Plan G pays your Medicare-approved Part B coinsurance and excess charges. CMS hasn’t published the 2027 Part B deductible yet. A high-deductible Plan G, where sold, has a $2,950 deductible in 2026 and $3,050 in 2027. Compare options in What is High Deductible Plan G? and Plan G vs. Plan N.
2026 and 2027 Medicare costs to know
| Cost | 2026 | 2027 |
|---|---|---|
| Part B premium (not covered by Medigap) | $202.90 a month | Not yet published |
| Part B deductible | $283 | Not yet published |
| Part A deductible | $1,736 | Not yet published |
| High-deductible F/G deductible | $2,950 | $3,050 |
We’ll update the 2027 column when CMS releases the figures. More detail: Medicare deductibles.
How much do AARP supplemental insurance plans cost?
Prices depend on your state, ZIP code, age, sex, tobacco use and the plan letter. AARP Medicare Supplement rates aren’t the same nationwide, so get a quote for your ZIP code. UnitedHealthcare’s plan pages mention an enrollment discount, and its plan guides describe household and multi-insured discounts in some states. The amounts vary by state, so ask for them in writing. We don’t publish sample prices because they change by location and over time.
When to apply
Your Medigap Open Enrollment Period is the 6 months that start the month you’re 65 or older and enrolled in Part B. During that window you can buy any Medigap plan sold in your state without health questions. After it, insurers can use medical underwriting unless you have a guaranteed issue right, such as losing employer coverage (usually a 63-day window). Before you sign up, use our Part B sign-up guide.
AARP Medicare Advantage plans for 2027
If you searched for AARP Medicare Advantage plans, those are different from AARP Medicare Supplement. They’re Medicare Advantage (Part C) plans from UnitedHealthcare that replace how you get Parts A and B, often with drug coverage and extras. UnitedHealthcare’s October 1, 2026 announcement says about 90% of people with access to a UnitedHealthcare Medicare Advantage plan will have a $0-premium option in 2027, and members get $0 primary care, $0 preventive care and $0 Tier 1 drugs.
You can switch Medicare Advantage plans during Open Enrollment, October 15 to December 7, 2026. For 2027 plan extras, see AARP OTC catalog 2027, UnitedHealthcare dental and UnitedHealthcare vision. Last year’s overview is in AARP plans.
| AARP Medicare Supplement | AARP Medicare Advantage | |
|---|---|---|
| Works with | Original Medicare | Replaces Original Medicare |
| Doctors | Any provider that accepts Medicare | Plan network (HMO, PPO) |
| Drug coverage | No; add Part D | Usually included |
| Extras (dental, vision, OTC) | No | Often included |
| When to switch | Any time, but medical questions may apply | October 15 to December 7, or January 1 to March 31 if already in an MA plan |
How to apply for an AARP Medicare Supplement plan
- Join AARP if you aren’t a member.
- Get a quote by ZIP code on aarpmedicareplans.com or call 1-833-591-5020 (TTY 711).
- Choose a plan letter and start date, ideally during your Medigap Open Enrollment Period.
- Add a Part D drug plan if you need drug coverage.
Frequently asked questions
Who insures AARP Medicare Supplement plans?
UnitedHealthcare Insurance Company. AARP endorses the plans, and you must be an AARP member to enroll.
Can I still get AARP Plan F?
Only if you were eligible for Medicare before January 1, 2020. Newer enrollees can choose Plan G, which covers everything Plan F does except the Part B deductible.
Does AARP Plan G cover the Medicare Part B deductible?
No. You pay the Part B deductible ($283 in 2026). Plan G covers the Part A deductible.
Do AARP Medicare Supplement plans include drug coverage?
No. Medigap plans sold today don’t include Part D drug coverage. You’d buy a separate Part D plan.
Is AARP Medicare Advantage the same as AARP supplemental insurance?
No. Medicare Advantage replaces Original Medicare and uses a network. A Medicare Supplement pays some of your costs while you keep Original Medicare.
Medicare365 is not affiliated with or endorsed by AARP, UnitedHealthcare or any U.S. government agency. Plan availability, prices and discounts vary by state; check the plan’s official materials before you decide.
Sources
- AARP Medicare Plans from UnitedHealthcare: Medicare Supplement plans
- UnitedHealthcare: 2027 Medicare plans (Oct. 1, 2026)
- Medicare.gov: Choosing a Medigap Policy (2026)
- Medicare.gov: Compare Medigap plan benefits
- Medicare.gov: When can I buy Medigap?
- CMS: 2026 Medicare Parts A and B premiums and deductibles
- CMS: 2027 Medigap high-deductible options