1
AM
AARP Medicare Supplement (UnitedHealthcare)
Medigap plans for AARP members, insured by UnitedHealthcare
- Available in all 50 states
- Offers Plans A, B, C, F, G, K, L and N
- AARP membership required
Updated October 2026 · plan letter · premium · rating method
Compare the Best Medicare Supplements (2026)
Medicare Supplement (Medigap) plans help pay out-of-pocket costs left by Original Medicare. Plans with the same letter have the same benefits, so price and service are what differ.
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The Top 10 Experts is not connected with or endorsed by the U.S. government or the federal Medicare program. Not all plans are available in all areas.
Step 1
Free to use. Answering does not affect your credit score.
Providers
Featured Medicare Supplement providers
2
SF
State Farm
Medigap plans sold through State Farm agents
- Offers Plans A, C, D, F, G and N
- Lower-than-average annual price increases
- Available in most states
3
H
HealthSpring (formerly Cigna)
Medigap plans with stacking discounts
- Offers Plans A, F, G and N
- Household discount up to 20% plus an online enrollment discount
- Among the lowest premiums in many areas
Our top picks, explained
Widest availability
AM
AARP Medicare Supplement (UnitedHealthcare)
The broadest lineup of plan letters, available in every state.
Pros and cons
- Widest plan selection
- Nationwide availability
- Price increases have run higher than average
Best for stable pricing
SF
State Farm
Has a record of smaller annual price increases than many competitors.
Pros and cons
- Lower-than-average increases
- Few complaints
- Not available in every state
Best for household discounts
H
HealthSpring (formerly Cigna)
Couples can save significantly when both enroll.
Pros and cons
- Large household discount
- Competitive premiums
- Fewer plan letters offered
Side-by-side comparison
AM | SF | H | |
|---|---|---|---|
| Plans | A, B, C, F, G, K, L, N | A, C, D, F, G, N | A, F, G, N |
| Availability | All 50 states | Most states | Varies by state |
| Notes | AARP membership required | Sold through agents | Household and online discounts |
| Visit site | Visit site | Visit site |
Head to headAARP Medicare Supplement (UnitedHealthcare) vs State FarmAARP Medicare Supplement (UnitedHealthcare) vs HealthSpring (formerly Cigna)State Farm vs HealthSpring (formerly Cigna)
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any Medicare Supplement provider, whether or not it appears on The Top 10 Experts.
Plan letter
Standardized benefits
A Plan G from one insurer has the same benefits as a Plan G from another in most states.
Rating
How premiums are set
Community-rated, issue-age and attained-age pricing change how your premium rises over time.
Open enrollment
Your guaranteed window
Your Medigap open enrollment period starts when you are 65 and enrolled in Part B. Health questions usually don't apply during it.
Excess
Part B excess charges
Plan G covers them; Plan N does not. This matters if your doctors don't accept Medicare assignment.
Common questions
What is the difference between Medigap and Medicare Advantage?
Medigap works alongside Original Medicare. Medicare Advantage replaces it with a private plan, often with networks.
Does Medigap include drug coverage?
No. You need a separate Part D plan for prescriptions.
Can I switch plans later?
Possibly, but outside your open enrollment period insurers in most states can use medical underwriting.
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