What happens when my child turns 26 on TRICARE?
Quick Answer
TRICARE Young Adult coverage ends at age 26. Your child will need to find other health insurance through an employer, ACA marketplace, or other sources.
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Key Takeaways
- Coverage ends last day of month child turns 26
- No extensions (except for disability)
- ACA marketplace is common alternative
- Plan ahead before coverage ends
Detailed Answer
When a child reaches 26, all TRICARE coverage options end (unless they have a qualifying disability).
Coverage End Date
- Last day of the month they turn 26
- Applies to TRICARE Young Adult
- No extensions available
- Automatic termination in DEERS
Before Age 26 - Take Action
- Research employer-sponsored options
- Check ACA marketplace plans
- Look into Medicaid eligibility
- Consider short-term health plans
ACA Marketplace Options
- Open Enrollment: November 1 - January 15
- Special Enrollment Period may apply
- Subsidies based on income
- Plans available year-round through special enrollment
If Child Has a Job
- Employer coverage may be available
- May have waiting period
- Compare costs and benefits
- Ask about enrollment timing
Exception - Disabled Children
- May continue TRICARE indefinitely
- Disability must have existed before age limit
- Must be incapable of self-support
- Requires documentation
Related TRICARE Terms
Related Questions
What is TRICARE Young Adult and who qualifies?
TRICARE Young Adult extends coverage to unmarried adult children aged 21-26 who aren't eligible for employer-sponsored insurance.
Can adult children with disabilities stay on TRICARE?
Yes, unmarried adult children with disabilities that began before age 21 (or 23 if student) can remain on TRICARE indefinitely.
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
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