Yes, AARP Requires a Fee for Membership
Unlike some free programs, AARP is a membership-based nonprofit organization that funds its operations and extensive benefits through annual dues. These fees cover the costs of publishing magazines like AARP The Magazine, developing educational resources, and funding its lobbying efforts on behalf of people aged 50 and over. While the organization is best known for its advocacy for those in or approaching retirement, membership is open to anyone aged 18 and older, with younger members gaining access to most benefits, though some insurance products may be age-restricted.
Current Membership Fee Structure (As of 2025)
As of 2025, AARP updated its membership pricing for the first time in over 15 years. The cost varies depending on how you sign up and the length of the term you choose. For instance, new members can secure a lower rate by enrolling in automatic renewal. All plans also include a free secondary membership for another adult in the same household.
- One-Year Membership: The standard annual rate is $20. If you sign up for automatic renewal, the first year is offered at a reduced price of $15.
- Multi-Year Membership: AARP encourages longer commitments by offering reduced annual rates. A three-year term is a one-time payment of $55, and a five-year term is a one-time payment of $79.
These flexible pricing options are designed to provide value, as many members find that the money they save on discounts and benefits quickly offsets the cost of the fee.
Understanding Where Your Membership Fee Goes
AARP is transparent about its status as a nonprofit organization and how it uses its revenue. The fees paid by members are crucial for funding the organization's various programs and initiatives. This includes:
- Advocacy: A significant portion of revenue is used for lobbying on important legislative issues, such as Social Security and Medicare.
- Publications: Your fee covers your subscriptions to AARP The Magazine and the AARP Bulletin, which are filled with news, health information, and entertainment.
- Member Discounts and Programs: AARP negotiates and manages hundreds of partnerships to provide members with exclusive deals on products and services.
- Educational Resources: Funds are used to create online tools, workshops, and resources related to financial planning, career development, and health and wellness.
Member Benefits vs. Fee-for-Service Programs
It's important to distinguish between the general AARP membership and the specific fee-for-service products offered through AARP partnerships. The membership fee grants you access to the discounts and foundational benefits, while specialized services like insurance policies or travel packages are separate transactions with partner companies.
AARP Benefits Comparison Table
| Feature | General AARP Membership | AARP Endorsed Insurance Plans |
|---|---|---|
| Cost Structure | Annual fee (e.g., $15-$20/year) | Separate premium costs set by partner insurer (e.g., UnitedHealthcare, The Hartford) |
| Included Household Members | A free secondary membership is included for a spouse or partner. | Coverage is for the individual or family purchasing the plan, separate from membership. |
| Benefits Included | Magazine subscriptions, access to all partner discounts (travel, dining, etc.), advocacy resources, and online tools. | Specific insurance coverage for medical, auto, homeowners, life, dental, or vision needs. |
| Cancellation | Membership can be canceled at any time. | Insurance policy must be canceled directly with the provider, subject to their terms. |
| Purpose | To fund AARP's advocacy, education, and member benefit programs. | To provide specific insurance coverage for a premium. |
The Value of the AARP Membership Fee
Is the annual fee worth it? For many, the answer is yes. The cost is often recouped by taking advantage of just a few of the hundreds of available discounts. Some of the most popular savings include:
- Travel Discounts: Up to 10% off hotels worldwide and savings on car rentals with companies like Avis and Budget.
- Dining Discounts: Up to 15% off at various national restaurant chains.
- Insurance Savings: Access to exclusive rates on auto, homeowners, and health insurance through partners like The Hartford and UnitedHealthcare.
- Cell Phone Plans: Discounts with companies like Consumer Cellular.
Many members report that their savings on a single vacation or car insurance policy can cover the membership fee for years. The overall value, however, depends on how frequently a member utilizes the discounts and resources offered. For those who frequently travel, eat out, or want access to specialized insurance and financial planning tools, the fee can be a sound investment.
Is AARP a Nonprofit?
Yes, AARP is a non-profit organization. This means its revenue, which primarily comes from membership fees and royalties from endorsed products, is reinvested back into the organization's mission. These funds support member benefits, services, and advocacy work rather than being distributed to shareholders. This structure ensures that AARP's primary focus remains on empowering its members and the wider 50+ community.
How to Join or Renew Your Membership
Joining AARP is a straightforward process that can be completed in a few ways.
- Online: Visit the official AARP website and fill out the online application. This is the fastest way to get your digital membership card for immediate use.
- By Phone: You can call the toll-free number at 1-888-OUR-AARP (1-888-687-2277) to join over the phone.
- By Mail: If you receive a mailing with an application, you can complete and return it via postal mail with your payment.
Conclusion In short, yes, an AARP membership does have a fee. For 2025, the standard rate is $20 per year, though promotional rates for the first year or multi-year terms can lower this cost. The fee provides access to a comprehensive suite of benefits, including extensive discounts on travel, dining, and insurance, as well as advocacy for issues important to older Americans. For individuals who actively use these benefits, the fee can be a worthwhile investment, with potential savings often outweighing the annual cost. As a nonprofit organization, AARP's fees are reinvested into its mission, serving its members and advocating for the 50+ community.
For more information on the wide range of member benefits, you can visit the official AARP website.
