Can I change my TRICARE plan and when?
Quick Answer
You can change TRICARE plans during annual Open Enrollment (late fall) or within 90 days of a Qualifying Life Event.
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Detailed Answer
You can change TRICARE plans during specific periods:
Open Enrollment
- Typically late fall (November-December)
- Change effective January 1
- Available to most beneficiaries
- No qualifying event needed
Qualifying Life Events (QLE):
Change within 90 days of: • Marriage or divorce • Birth or adoption • Moving to new location • Change in military status • Loss of other health coverage • Retirement from active duty • Turning age 21, 23, or 26
Plan Options:
From Prime to Select
- Can change during Open Enrollment
- After QLE
- When moving outside Prime Service Area
From Select to Prime
- Must live in Prime Service Area
- Change during Open Enrollment or after QLE
- May need to enroll formally
Active Duty
- Automatically in Prime
- Cannot change to Select
- Family members can choose
Important Notes
- Document your qualifying event
- Submit changes within 90-day window
- Late requests may be denied
- Coverage gaps possible if you miss deadlines
How to Change
- Online: milConnect or contractor website
- Phone: Regional contractor
- In person: ID card office
Plan changes require careful timing. Contact your regional contractor for guidance.
Related TRICARE Terms
Related Questions
What is the difference between TRICARE Prime and TRICARE Select?
TRICARE Prime is a managed care option with a primary care manager and lower costs. TRICARE Select offers more flexibility to choose providers with higher out-of-pocket expenses.
How do I enroll in TRICARE?
Ensure you're registered in DEERS, then choose your plan during open enrollment or within 90 days of a qualifying life event.
What else should I consider when enrolling in TRICARE?
Beyond your TRICARE plan choice, most military advisors recommend reviewing your life insurance, creating or updating your will, and checking your home/auto coverage — especially important during enrollment transitions.
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