THIRTEENTH AMENDMENT TO THE AARP HEALTH INSURANCE AGREEMENT: PHIP EXTENSION

Exhibit 10.ll

THIRTEENTH AMENDMENT TO THE AARP HEALTH INSURANCE AGREEMENT:

PHIP EXTENSION

This Thirteenth Amendment to the AARP Health Insurance Agreement (“Thirteenth Amendment” or “Amendment”), effective as of December 21, 2005 (the “Effective Date”), is made by and between AARP Services, Inc., a Delaware corporation (“ASI”) and United HealthCare Insurance Company, a Connecticut corporation (“United”). The parties hereto shall collectively be referred to as the “Parties”.

RECITALS

WHEREAS, AARP, the Trustees of the AARP Insurance Plan (“Trustees”), and United are parties to a certain AARP Health Insurance Agreement dated as of February 26, 1997 (the “Original Agreement”).

WHEREAS, by subsequent amendment and assignment on December 28, 1999, AARP, AARP Trust and United agreed to the assignment to and assumption by ASI of certain rights and obligations (the “Third Amendment”).

WHEREAS, various other amendments have been made to the Original Agreement (collectively, the “Ag