What Are Tri-Term Plans?
Tri-Term plans are health insurance policies that provide up to three years of continuous coverage in a single plan term. Designed for healthy adults under 65 who don't qualify for ACA subsidies, they offer a longer-term, more stable alternative to short-term medical plans — often at a lower cost than full marketplace coverage.
For many people, they fill the gap between an unaffordable ACA plan and the protection they actually need.
Cost less than many ACA plans for those who don't receive subsidies
How Tri-Term Plans Work
Tri-Term plans typically:
Provide up to 36 months of coverage under a single policy
Lock in your rate and benefits for the full term
Cover doctor visits, hospital stays, and emergency care
Offer access to broad PPO provider networks
Are looking for a more affordable alternative to ACA marketplace coverage
Who Tri-Term Plans May Be Good For
A Tri-Term plan may be a good fit if you:
Are under 65 and in generally good health
Don't qualify for ACA subsidies based on your income
Are self-employed, between jobs, or recently retired before Medicare
Want longer-term stability than a short-term plan offers
Tri-Term plans aren't a fit for everyone
Things to Consider
Because these plans aren't ACA-compliant, they typically include medical underwriting and may not cover pre-existing conditions. They're best suited for healthy individuals who want predictable, longer-term coverage at a lower cost.
If you have ongoing health conditions or qualify for subsidies, an ACA marketplace plan may give you better protection. We help you compare both side-by-side so you can make the choice that fits your situation.
Our Role as Your Advocate
At The Advocate Group, our role is not to push one plan over another.
We take time to understand your situation, explain your options clearly, and help you compare plans so you can make a confident, informed decision.
Frequently Asked Questions
Are Tri-Term plans the same as ACA plans?
No. Tri-Term plans are not ACA-compliant, meaning they may use medical underwriting and may not cover pre-existing conditions. They're an alternative to — not a replacement for — ACA coverage, and they work best for healthy individuals who don't qualify for subsidies.
What happens at the end of the 3-year term?
At the end of your term you can typically reapply for a new Tri-Term plan, switch to ACA coverage, or — if you've turned 65 — transition into Medicare. We help you plan that next step well before your current plan ends.
Can I keep my doctor on a Tri-Term plan?
Most Tri-Term plans use broad PPO networks, so many providers are in-network. We always check your specific doctors and preferred facilities before you enroll, so there are no surprises.
At The Advocate Group, everything we do is built on three core principles.
Integrity
Education
Trust
We recommend what is best for you — not what pays the most. Transparency is non-negotiable.
An informed client is an empowered client. We make sure you understand your options so you can make confident decisions.
Healthcare and financial protection require vulnerability. We earn trust by showing up consistently, honestly, and reliably.
the Advocate Group experience
What Our Clients Say
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- janet m.
"Jason Avery has been such a great person to provide us information for our best Medicare plan. He takes the time to thoroughly review circumstances to advocate for his clients. He even came to our home to meet with us. Very thankful for his assistance!"
- clean s.
"Jason and his team are in the business of creating peace and calm. With SO many options in the healthcare industry, it’s overwhelming and difficult to navigate successfully. Jason guides his clients with confidence and genuine interest in their wellbeing."
- barbara w.
"Jason Avery is one of the best Medicare advisors! He directed me to products and services that were best suited to me and compared them to my current choices I had already made. I took his advice and I ended up having a good year of health & prescription provider care."
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