UnitedHealthcare (AARP) Medicare Supplement Review (2026): Cost, Pros & Cons

MoneyGeek's analysis of Medigap rates nationwide shows UHC priced above the national average in eight of nine plan types at age 65. Plan K at $110 per month is the only exception, at $2 below average. That above-average starting cost buys rate stability in 43 states. 

AARP from UHC covers all 50 states. In 43 of them, your premium won't rise as you age. At attained-age carriers, Plan G costs can climb $50 to $100 per month within a decade. UHC's higher entry premium is the price of avoiding that compounding.

In Kansas, North Dakota and Oregon, UHC uses attained-age pricing. A less expensive carrier performs better there.

AARP Medicare Supplement plans are issued by UnitedHealthcare, the largest Medigap insurer in the country, available in all 50 states and Washington, D.C.

UnitedHealthcare covers nine of the 10 standardized Medigap plans. Only Plan M is missing. Because the federal government standardizes Medigap benefits, each plan type carries the same core coverage regardless of insurer.

• Plan G: Covers every Medicare out-of-pocket cost except the Part B deductible, which is $283 in 2026. At $358 per month at 65, it costs $36 less than Plan F for nearly the same coverage and is open to all new enrollees.
• Plan F: Both deductibles, all co-insurance and Part B excess charges are covered. At $394 per month at 65, it is the most expensive plan UHC offers. It is only available to buyers who became eligible for Medicare before January 1, 2020. New enrollees should compare Plan G first, which covers nearly the same expenses for $36 less per month.
• Plan N: Costs $285 per month at 65, which is $73 less than Plan G or $876 less per year. The trade-off includes copays of $20 per office visit and $50 for ER visits that don't lead to hospital admission. Plan N's $876 in annual premium savings holds unless annual office visits exceed 43, at which point the $20 copays cost more than the savings. Plan N is not available in Ohio.
• Plan A: It covers Part A co-insurance and hospital costs, Part B co-insurance and up to three pints of blood per year. It is the most basic Medigap option. It doesn't cover the Part A deductible, the Part B deductible or foreign travel emergency care.
• Plan B: Covers everything Plan A does and adds the Part A deductible, which is $1,676 per benefit period in 2026. A single hospitalization triggers that cost. Buyers who expect hospital stays will find the extra premium easier to absorb than an unpredictable $1,676 bill per admission.
• Plan C: Adds coverage for the Part B deductible and the Part A deductible, skilled nursing facility co-insurance and foreign travel emergency care. The Part B deductible is $283 in 2026. Plan C is closed to anyone who became eligible for Medicare after January 1, 2020.
• Plan D: For new enrollees who want foreign travel emergency care without paying for the Part B deductible, Plan D is the option. It excludes the Part B deductible, which keeps its premium below Plan C, and it remains open to all new enrollees. UHC offers Plan D in Michigan, New Jersey and North Carolina, where most national carriers don't.
• Plan K: At $110 per month at 65, Plan K is the most affordable entry point in UHC's lineup. It covers 50% of several core Medicare costs and carries an $8,000 annual out-of-pocket limit in 2026. In a year with major medical costs, total out-of-pocket exposure under Plan K can exceed what Plan G premiums cost for the full year.
• Plan L: Pays 75% of covered Medicare costs and has a $4,000 annual out-of-pocket maximum in 2026. Its $201 monthly rate at 65 is one of UHC's lower premiums but is $26 above the national average. It gives more protection than Plan K for buyers who expect to use health care regularly.

For new enrollees deciding between Plan G and Plan N, the monthly cost difference is $73 at age 65. Plan N's $285 monthly rate saves $876 per year over Plan G in premiums. Even with 20 annual office visits, the $400 in copays leaves you $476 ahead on Plan N. In my analysis, Plan G is the better fit only for buyers with unusually frequent care needs.

UnitedHealthcare Medicare Supplement premiums is above the national average across most plan types. Plan K is cheapest at $110 monthly for 65-year-olds. Plan F is most expensive at $394 a month, with the widest gap at $94 above average.   

MoneyGeek's Medigap pricing analysis shows community pricing is the central trade-off. You pay above-market rates today, but those rates won't rise as you age. At attained-age carriers, premiums compound annually.   

In addition to a Medigap premium, you'd also pay the monthly Part B premium, which is $202.90 for most Medicare beneficiaries in 2026. Buyers with higher incomes pay more.

Plan K is the only plan priced below the national average for 75-year-olds, at $2 less per month. In a year with major medical costs, your total exposure under Plan K can reach $8,000, compared to $4,296 in Plan G premiums for the full year. 
Plan N carries the largest gap among plans new enrollees choose, at $91 above average. Compare Plan N quotes from at least two other Medigap insurers before committing.

When we compared premium deviations across all nine plan types, the gap is widest for the plans new enrollees actually choose. Plan G costs $86 above. Plan K at $2 below average is the only plan where UHC undercuts the market. This shapes the community pricing trade-off. You pay more now to lock in a rate that won't rise with age. For buyers who hold UHC coverage for five or more years in a community-rated state, the above-average starting cost often becomes the lower-cost path.

AARP from UHC membership includes dental, vision and hearing discounts. These aren't insurance products. They reduce out-of-pocket costs on services Original Medicare doesn't cover.

UHC Dental: The UHC Dental discount network covers more than 50,000 in-network providers. Members pay reduced rates on cleanings, exams and fillings as well as crowns, veneers, implants and teeth whitening. This is a discount program, not dental insurance, so you still pay out of pocket at a lower rate than the standard fee.

Vision: Discounts cover exams, contact lenses and eyewear at participating providers.

Hearing: AARP from UHC members get $200 off per pair of name-brand prescription hearing aids. The discount is $100 on top of the base AARP member rate, for a combined $200 total per pair.

AARP from UHC includes two benefits that go beyond gap coverage.

• Renew Active Fitness Program: Renew Active covers gym memberships at participating locations nationwide, on-demand fitness videos and live streaming classes at no additional cost. The AARP Staying Sharp brain health program is also included. For members who currently pay a gym membership fee, Renew Active removes that cost from their budget. The savings narrow the premium gap between UHC and a less expensive carrier.
• 24/7 Nurse Line: A registered nurse is reachable by phone at any hour. For Plan N holders who pay per-visit copays, a nurse consultation before deciding whether to go to the ER can prevent a copay of up to $50 on visits that don't result in hospital admission.

These three data points show how AARP from UHC performs beyond what a pricing table shows.

Your plan choice depends on how often you use health care, where you live and how long you plan to hold coverage. These four situations point toward different choices.

• You expect to use health care regularly. At $358 per month, Plan G covers every Medicare out-of-pocket cost except the annual Part B deductible. If you see a doctor more than five times per year or expect hospital care, one fixed monthly cost is easier to plan around than unpredictable per-visit expenses.
• You're healthy and see a doctor rarely. Plan N saves $876 per year over Plan G in premiums. That savings holds for almost all buyers. At $20 per office visit, it takes more than 43 annual visits before copays cost more than the $876 in annual premium savings.
• You plan to hold coverage for ten or more years. Attained-age plans raise premiums every year as you age. In the 43 states where UHC uses community pricing, that won't happen. Over ten years, UHC's higher entry cost often totals less than a cheaper plan with annual age-based increases.
• You live in Kansas, North Dakota or Oregon. UHC uses attained-age pricing in those three states. Community-rated carriers serve those states too. Getting quotes from at least two of them before committing to AARP from UHC will show which option costs less over time.

One timing note: buying during your Medigap open enrollment period, the six-month window after you first enroll in Medicare Part B at 65 or older, means UHC can't reject you or charge more based on health. Outside that window, you'll need to pass medical underwriting.   

Compare AARP from UHC quotes against other top Medigap carriers before enrolling. Buyers who get at least two quotes in their state often pay less in the first year.

UnitedHealthcare Medicare Supplement plans are available in all 50 states and Washington, D.C. Most states have Plans A, B, C, F, G, K, L and N, though Michigan, New Jersey and North Carolina also include Plan D. North Dakota has the most limited selection, with only Plans A, F, G and N available.

Filter by state and age to see how UHC's plan costs compare for your specific situation. Monthly cost varies by age, gender and location, so the national average rate won't match your actual quote.

AARP is a nonprofit membership organization for adults 50 and older. It doesn't underwrite insurance. AARP licenses its brand to UnitedHealthcare, which issues and administers all Medicare Supplement plans sold under the AARP name. Membership costs $20 per year and is required to enroll in any plan.

UnitedHealthcare is the insurance arm of UnitedHealth Group and the largest Medicare Supplement insurer in the country by market share per NAIC data. It also sells Medicare Advantage plans, which work differently from Medigap. Our UnitedHealthcare Medicare Advantage review covers that product in full.

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Community rating scores highest at 1.0, followed by issue-age at 0.8 and attained-age at 0.6. A slightly higher-cost community-rated plan can still outscore a cheaper attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.

UnitedHealthcare's 4.3/5 MoneyGeek score reflects a 3.9/5 availability sub-score and the rate stability that community pricing provides in 43 states. The above-average cost keeps it from reaching the top tier, but enrollees in community-rated states who prioritize long-term premium predictability will find it scores better for their needs than the affordability sub-score of 4.6 alone suggests.