What is AARP and Who Can Join?
Originally the American Association of Retired Persons, AARP is now simply known by its acronym, representing a powerful nonprofit, nonpartisan organization dedicated to people aged 50 and over. However, a common misconception is that membership is restricted to this age group; in fact, anyone 18 or older can join and access most benefits. Membership includes a free secondary membership for another household member.
AARP Membership Costs Explained
The cost of an AARP membership is relatively low, making it an accessible option for many. In 2025, the standard yearly price is \$20, though signing up for automatic renewal can reduce the first year's cost to as low as \$15. Multi-year options offer further discounts, such as a five-year membership for \$79. This affordability means that a single discount could potentially pay for the annual fee, shifting the focus to whether you will use the benefits frequently enough to see a return.
Unpacking the Perks: A Look at the Benefits
The extensive list of AARP member benefits can be a key factor in deciding if membership is worthwhile. Benefits cover a wide range of categories, including:
- Insurance: Access to discounts on auto and home insurance through The Hartford, as well as a variety of health insurance options like Medigap plans through UnitedHealthcare.
- Travel: Savings on car rentals from Avis and Budget (up to 35% off), hotel stays at chains like Best Western and Hilton (up to 10% off), and discounts on cruises and travel packages.
- Dining: Discounts at popular national chain restaurants, such as Outback Steakhouse, Bonefish Grill, and Denny's.
- Technology & Cell Phone Services: Discounts on cell phone plans with providers like Consumer Cellular.
- Prescriptions & Wellness: The AARP Prescription Discounts program offers significant savings on medications not covered by insurance, and members also get discounts on eyewear and hearing aids.
- Entertainment & Shopping: Deals on event tickets, online games, and savings at select retailers.
- Informational Resources: Subscriptions to AARP The Magazine and AARP Bulletin, plus access to online resources on financial planning, caregiving, and career support.
Beyond Discounts: The Power of Advocacy
For many, the value of an AARP membership extends beyond tangible savings. The organization plays a major role in political advocacy, lobbying for the interests of older Americans on issues such as Social Security, Medicare, and protection against financial fraud. Joining AARP contributes to these efforts, influencing policies that can have a broad impact on the lives of seniors and their families.
Weighing AARP vs. Other Organizations
While AARP is the most well-known, it's not the only organization offering benefits to seniors. Alternatives exist, some with different focuses or political stances. A comparison can help you decide which aligns best with your needs.
Comparison of Senior Organizations
| Feature | AARP | AMAC | AAA |
|---|---|---|---|
| Primary Focus | General benefits & advocacy for 50+ | Conservative advocacy & benefits for 50+ | Automotive services & travel benefits |
| Eligibility | 18+, but some benefits are 50+ | 50+ | Anyone with a driver's license |
| Political Stance | Nonpartisan | Conservative | N/A (automotive focus) |
| Key Benefits | Broad discounts, publications, advocacy | Broad discounts, similar to AARP | Roadside assistance, travel discounts |
| Cost | \$15-\$20/year initially | \$16/year initially | Higher, focused on roadside assistance |
Factors to Consider Before You Join
- Your Lifestyle: If you travel frequently, dine out, or need new insurance, the savings can quickly surpass the membership fee. If you rarely use these services, you might not see significant financial value.
- Your Priorities: Do you value the political advocacy and educational resources as much as the discounts? For some, supporting AARP's mission is reason enough to join.
- Your Digital Habits: Maximizing discounts often requires using AARP's website or app. If you prefer to avoid online tools, you may miss out on some savings.
- Marketing Preferences: Be prepared for marketing materials, though it is possible to opt out of some communications.
- Consider Alternatives: Investigate other organizations like the Association of Mature American Citizens (AMAC) or simply hunt for senior discounts on your own, as some retailers offer them without requiring a membership.
For more detailed information on senior discounts, visit the National Council on Aging: National Council on Aging.
Is an AARP Membership Worth it Under 50?
For those under 50, the membership offers access to many benefits, including travel discounts, certain insurance products (like life insurance), and financial resources. The low cost makes it a compelling option for frequent travelers or those looking for an affordable resource for financial planning and life advice.
Final Verdict: Is AARP Right for You?
There is no single answer to whether an AARP membership is necessary. It is a personal decision that requires a brief evaluation of your current spending and future needs. If you foresee yourself utilizing a few of the many available discounts, or if you want to support a powerful lobbying voice for older adults, the low annual fee is likely a worthwhile investment. However, for those who don't anticipate using the benefits, it's fine to pass on the membership and simply seek out other senior discount opportunities as they arise.
