An AARP membership gives you access to discounts, publications, and advocacy on issues that affect older adults

AARP membership is a paid annual subscription that connects you to discounts on everyday purchases, health insurance information, tax preparation help, and a magazine or digital newsletter about aging. The organization also advocates for policy changes on issues like Social Security, Medicare, and prescription drug costs. Most members join for the discounts, but the membership also includes access to AARP's educational resources and community programs.

You become a member by paying an annual fee — currently $16 per year for a standard membership. AARP also offers a discounted rate for people with limited income. Once you join, you receive a membership card that you can use at participating retailers and service providers to get discounts on everything from groceries to car rentals.

Key Takeaways

  • AARP membership costs $16 per year and includes access to discounts at thousands of retailers, restaurants, and service providers.
  • Members receive AARP Magazine or the digital version, which covers health, money, and lifestyle topics relevant to older adults.
  • The membership includes access to tax preparation information through AARP Tax-Aide, a free volunteer-run program that helps with federal and state returns.
  • AARP uses membership dues to fund advocacy on Medicare, Social Security, prescription drug pricing, and other policies that affect people over 50.
  • You do not have to be retired to join — AARP membership is open to anyone age 50 and older.

Discounts included with membership

AARP negotiates discounts with hundreds of businesses across retail, dining, travel, and services. Common discounts include 10 to 15 percent off at restaurants like Denny's and Applebee's, reduced rates at hotel chains, and discounts on car rentals through Hertz and Avis. Grocery stores like Safeway and Kroger offer AARP member discounts on select items. You show your membership card or provide your membership number at checkout to receive the discount.

Discounts vary by retailer and change periodically, so it is worth checking the AARP website or calling your local store to confirm what is available in your area. Some discounts are national, while others are regional or available only at certain locations. AARP also offers discounts on insurance products, including auto, home, and life insurance through partner companies, though you will need to get a quote to see the actual savings.

AARP publications and digital access

All members receive either AARP Magazine (printed six times per year) or AARP Bulletin (a monthly newsletter), depending on your preference. The magazine covers health topics, money management, travel, and lifestyle issues for people over 50. You can also access AARP's website and mobile app, which have articles, videos, and tools on health, caregiving, Social Security, Medicare, and retirement planning.

The digital membership includes access to AARP's online community forums, where members discuss health conditions, caregiving, retirement, and local issues. You can also read past issues of the magazine online and read guides on topics like managing chronic conditions, understanding Medicare, and planning for long-term care.

Tax preparation help through AARP Tax-Aide

AARP Tax-Aide is a free tax preparation service for people with low to moderate income, and AARP members get priority access to appointments. Trained volunteers prepare your federal and state tax returns at no cost. The service is available from February through April at locations nationwide — usually libraries, community centers, and AARP offices.

To use Tax-Aide, you bring your tax documents (W-2s, 1099s, receipts for deductions) to an appointment. The volunteer prepares your return and files it electronically. You do not have to be an AARP member to use the service, but members can schedule appointments earlier in the tax season. If you have a straightforward return, this service can save you the cost of a tax preparer.

Advocacy and policy work

AARP uses membership dues to fund lobbying and advocacy on federal and state policy. The organization takes positions on Medicare coverage, Social Security benefits, prescription drug pricing, age discrimination, and long-term care. AARP publishes reports on these issues and testifies before Congress. The organization also runs campaigns to oppose or support specific legislation.

As a member, you can participate in AARP's advocacy by signing petitions, contacting elected officials through the AARP website, or joining local AARP chapters that work on community issues. You do not have to be active in advocacy to be a member — many people join solely for the discounts and publications — but the option is there if you want to get involved.

Local chapters and community programs

AARP has chapters in all 50 states and the District of Columbia. Local chapters organize events, classes, and volunteer opportunities in your community. Programs vary by chapter but often include health and wellness workshops, financial planning seminars, technology classes, and social activities. Some chapters also run volunteer programs where members can tutor students, help with tax preparation, or support disaster relief.

To find your local chapter, visit the AARP website and enter your zip code. You can attend events and programs without being a member, though some chapters offer additional benefits or discounts to paid members. Joining a chapter is a way to connect with other older adults in your area and stay informed about local issues affecting seniors.

Insurance products and financial services

AARP offers or partners with companies to provide insurance and financial products to members, including auto and home insurance, life insurance, health insurance information, and annuities. These are not included in your membership — you purchase them separately if you choose. AARP receives a commission when members buy these products, which helps fund the organization's work.

Before purchasing any insurance product through AARP, compare rates with other providers. AARP membership does not may provide you the lowest price, and rates vary based on your age, location, and coverage needs. You can get quotes from AARP's partners and from other insurers to see which offers the best value for your situation.

Frequently Asked Questions

Do I have to be retired to join AARP?

No. AARP membership is open to anyone age 50 and older, regardless of employment status. You do not have to be retired, and you do not have to be a U.S. citizen, though you do need a valid mailing address in the United States.

Can I cancel my membership anytime?

Yes. You can cancel at any time by calling AARP's customer service line or through your online account. If you cancel within 30 days of joining, AARP will refund your membership fee. After 30 days, the fee is not refunded, but you can stop your membership without penalty.

What if I lose my membership card?

You can request a replacement card through the AARP website or by calling customer service. In the meantime, you can use your membership number (found in your welcome materials or online account) to receive discounts at most retailers. Some businesses may ask to see your physical card, so ordering a replacement is a good idea.

Are there membership discounts for couples or families?

AARP offers a household membership option that covers two people at the same address for a slightly higher annual fee than a single membership. Both members receive their own card and access to all member benefits. This is less expensive than paying for two separate memberships.

How much can I actually save with AARP discounts?

Savings depend on which retailers you use and how often. If you regularly dine at AARP-partner restaurants or use discounted services like car rentals, the membership fee can pay for itself quickly. However, if you do not use the discounts regularly, the value is lower. Review the available discounts in your area before joining to decide if it makes sense for your spending habits.