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AARP Medicare Supplement Plans 2027: Plan F, Plan G and Costs

By Brian Monahan Updated November 4, 2026

Updated November 4, 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; Plan K pays 50% and Plan L 75% of most cost-sharing until you reach a yearly out-of-pocket limit ($8,360 for K and $4,180 for L in 2027)	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. If you’re comparing AARP with other Medigap brands, see Aetna Accendo and the ACE (Chubb) Medicare Supplement portal.

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.

AARP Plan K and Plan L

Plans K and L trade lower premiums for cost-sharing. Plan K pays 50% and Plan L pays 75% of most Medicare-approved costs after Medicare (both pay 100% of Part A hospital coinsurance and extra hospital days). Once your share reaches the yearly out-of-pocket limit and you’ve met the Part B deductible, the plan pays 100% for the rest of the year. CMS set those limits at $8,360 for Plan K and $4,180 for Plan L in 2027, up from $8,000 and $4,000 in 2026 (CMS).

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
Plan K out-of-pocket limit	$8,000	$8,360
Plan L out-of-pocket limit	$4,000	$4,180

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. Ask whether any premium discounts apply in your state, and get them in writing, because discounts and rating rules vary by state. 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 announced its 2027 Medicare Advantage plans on October 1, 2026; premiums, copays and extras differ by plan and county, so compare each plan’s 2027 Summary of Benefits.

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	Open Enrollment, October 15 to December 7, or the Medicare Advantage Open Enrollment Period, 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.

What is the AARP Plan K out-of-pocket limit for 2027?

$8,360 in 2027 (it was $8,000 in 2026). For Plan L it’s $4,180 (up from $4,000). These limits are set by CMS and are the same for every insurer.

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.