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TRICARE and the Affordable Care Act

The Affordable Care Act, also known as the health care reform law, requires you to maintain basic health care coverage—called minimum essential coverage. If you don't have minimum essential coverage, you may have to pay a fee for each month you aren’t covered.

Plans that are Minimum Essential Coverage

If you’re using any of the following health plans, you have the minimum essential coverage required by the health care reform law. Unless you’re considering other health coverage, you don’t need to take any action at this time.

  • TRICARE Prime
  • TRICARE Prime Remote
  • TRICARE Prime Overseas
  • TRICARE Prime Remote Overseas
  • TRICARE Standard and Extra
  • TRICARE Standard Overseas
  • TRICARE For Life
  • TRICARE Reserve Select (if purchased)
  • TRICARE Retired Reserve (if purchased)
  • TRICARE Young Adult (if purchased)
  • US Family Health Plan

Transitional Health Plans

You also have minimum essential coverage if you're covered by either of these transitional health plans:

  • Transitional Assistance Management Program
    (premium-free, 180 days)
  • Continued Health Care Benefit Program
    (if purchased, 18-36 months)

Am I eligible for assistance to purchase health insurance outside of TRICARE?

Are you eligible for one of the plans below?  If you are and you choose to also purchase a plan through the health insurance marketplace to complement your TRICARE coverage, you won’t be eligible for assistance to lower your monthly premium.

  • TRICARE Prime
  • TRICARE Prime Remote
  • TRICARE Prime Overseas
  • TRICARE Prime Remote Overseas
  • TRICARE Standard and Extra
  • TRICARE Standard Overseas
  • TRICARE For Life US Family Health Plan

Are you only eligible to purchase one of the below TRICARE premium-based plans? If you are and you choose not to purchase one, you may qualify for assistance to lower your monthly premium through the health insurance marketplace. Compare the plans below with health insurance marketplace plans to see what fits your budget and meets your needs.

  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Young Adult (Prime and Standard)
  • Continued Health Care Benefit Program

When You Don't Have Minimum Essential Coverage

If you're only eligible for care at military hospitals and clinics and you're not covered by any other TRICARE plan (as listed above), you don't have minimum essential coverage from the Department of Defense.  You can check out the health insurance marketplace plans to see what fits your budget and meets your needs.  You may qualify for assistance to lower your monthly premium through the health insurance marketplace.   

Last Updated 11/25/2014