The Allure of a Free AARP Membership
For millions of Americans over 50, AARP is synonymous with savings, resources, and advocacy. A common question that arises is, "Can you get a free AARP membership?" While AARP does not offer a universally free membership, there are several specific pathways through which the annual fee can be covered or significantly discounted, making it feel free for the end-user. Understanding these avenues is key to maximizing your benefits without impacting your budget.
Understanding the Standard Cost of AARP
As of 2025, the standard AARP membership costs $20 per year. However, you can secure a lower rate of $15 for the first year by enrolling in automatic renewal. There are also multi-year discounts available, such as a 5-year plan for $79. It's important to note that every primary membership includes a complimentary secondary membership for another person in the household, effectively doubling the value of a single membership fee.
Pathways to a 'Free' or Covered AARP Membership
The most common way to receive a no-cost AARP membership is as a perk included with certain health and wellness plans. This is not a direct offering from AARP but rather a benefit provided by a third-party partner.
UnitedHealthcare's Renew Active® Program
Many UnitedHealthcare Medicare Advantage and Medicare Supplement plans include the Renew Active® fitness program at no additional cost. A key component of this program for eligible members is a paid AARP membership. This benefit seamlessly integrates AARP's resources with the health and wellness goals of the insurance plan. If you are enrolled in a qualifying UnitedHealthcare plan, your AARP membership fee is covered for you.
Other Potential Avenues
- One Pass™ Program: Eligible members of the One Pass program, which is often offered through employers or Medicare/Medicaid plans, can also obtain a free AARP membership. You must sign up through the One Pass website using your unique member code.
- Promotional Offers: From time to time, partners like Walgreens have offered coupons for a free or discounted AARP membership, often provided on a store receipt. These promotions are not continuous but are worth looking out for.
- Refer-a-Friend: Existing AARP members can refer a friend. When the friend joins, both parties receive three free months of membership, extending their current term.
It's a common misconception that AARP offers free membership based on low income. Currently, there are no income-based waivers for the membership fee. The organization's model focuses on making the fee affordable and delivering value that far exceeds the annual cost through its extensive discount programs.
Is an AARP Membership Worth It, Even If It's Not Free?
For a small annual fee, the return on investment can be substantial. The benefits span across numerous categories of daily life.
Comparison of Cost vs. Potential Savings
| Category | Annual AARP Cost | Potential Annual Savings Example |
|---|---|---|
| Dining | $15 (with auto-renew) | Save 10-15% at chains like Denny's, Outback Steakhouse, and Carrabba's. Two dinners out per month could easily save over $50. |
| Travel | $15 (with auto-renew) | Save up to 35% on car rentals from Avis or Budget, and up to 10% on hotels. One week-long car rental could save over $100. |
| Prescriptions | $15 (with auto-renew) | The AARP Prescription Discounts card can save money on medications not covered by insurance. Savings vary widely but can be significant. |
| Vision | $15 (with auto-renew) | Members can save 50% on prescription lenses at LensCrafters and get discounts on eye exams at Target Optical. |
How to Maximize Your Benefits
- Always Ask: Many local retailers and service providers offer AARP discounts even if they don't advertise them. Always carry your card and ask.
- Use the AARP Now App: The app provides easy access to your digital card, nearby offers, and news.
- Stack Discounts Where Possible: Some benefits, like those for veterans, can sometimes be combined with standard member discounts.
- Explore All Categories: Don't just focus on travel. Look into savings on insurance (auto, home, life), financial planning, cell phone plans (AT&T, Consumer Cellular), and even home security.
Conclusion: Value is the Real Bottom Line
While a universally 'free' AARP membership is a myth, the reality is that many Americans can get their membership covered through popular health insurance plans like those from UnitedHealthcare. For those who pay the low annual fee, the value proposition is exceptionally strong. The sheer breadth of discounts on everyday expenses—from dining and groceries to travel and healthcare—means that a savvy member can easily save many times the cost of the fee. Before dismissing the cost, check with your insurance provider about covered benefits and explore the vast catalog of savings that AARP offers. Learn more about AARP membership options.
