TriTerm Health Insurance.
Up to 3 Years of Flexible Coverage.
TriTerm health plans offer up to 36 months of coverage — far longer than traditional short-term plans — with real benefits at a lower cost than ACA plans for those who qualify.
What Makes TriTerm Different?
TriTerm plans are offered by select carriers like National General and bridge the gap between short-term and full ACA coverage — giving you stability and affordability.
Up to 36 Months of Coverage
Unlike standard short-term plans limited to 3-6 months, TriTerm plans provide continuous coverage for up to 3 full years.
- Coverage periods up to 364 days
- Renewable for up to 3 terms
- No open enrollment period required
- Apply any time of year
Real Health Benefits
TriTerm plans include meaningful benefits — not just emergency coverage — including doctor visits, specialist care, and prescriptions.
- Preventive care benefits
- Primary and specialist visits
- Prescription drug discounts
- Urgent care and ER coverage
Lower Monthly Premiums
For healthy individuals who do not qualify for ACA subsidies, TriTerm premiums can be significantly lower than marketplace plans.
- Often 30-60% less than ACA plans
- Flexible deductible options
- Coinsurance and copay structures
- Multiple tier options available
Is TriTerm Right for You?
Self-Employed Individuals
Not eligible for employer coverage and do not qualify for ACA subsidies? TriTerm can be a cost-effective alternative.
Recent Graduates
Aged off your parents plan and looking for affordable coverage while you get established? TriTerm fills the gap.
Coverage Gap Situations
Between jobs, waiting for employer benefits to begin, or in a life transition? TriTerm provides real stability.
TriTerm vs. Short-Term vs. ACA
| Feature | Short-Term | TriTerm | ACA Plan |
|---|---|---|---|
| Max Duration | 3-6 months | Up to 36 months | Annual |
| Apply Anytime | ✅ | ✅ | Open Enrollment only |
| Premium Cost | Low | Low–Medium | Medium–High |
| Pre-existing Conditions | Not covered | Limited | Fully covered |
| ACA Subsidies | No | No | Yes |
Ready to Find the Right TriTerm Plan?
Our licensed agents shop multiple carriers to find you the best value. No pressure, no obligation.
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