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We Have Agents Ready To Take Your Call. Call Us NowRequest a Free QuoteTri Term Health Insurance With Up to 36 Months of Coverage
Tri term health insurance from UnitedHealthcare gives you longer temporary coverage with one application. It works as a bridge for early retirees, self-employed workers, and anyone between plans.
- Coverage for 24 or 36 months
- One application for back-to-back terms
- Available in 15 states through Vivna
🤝 Short-Term Carriers We Work With
Compare Tri-Term and short-term medical plans from respected national carriers. So your bridge coverage comes from a name you can trust.
Carrier and plan availability vary by state. Call 888-730-6031 to see what’s available where you live.
📅 How Tri Term Health Insurance Works
Tri term health insurance links back-to-back short-term coverage periods under one application. As a result, you can stay covered for 24 or 36 months. You choose a deductible, and the plan helps pay for covered medical care during each term.
Because it is not an ACA plan, it follows different rules. Our licensed agents explain each detail before you apply. Call 888-730-6031 to compare plans at no cost.
🪜 How to Use Your Plan
One application can cover every term in your plan.
Network doctors and hospitals keep your costs lower.
Then the plan shares covered costs for the rest of the term.
Ask your agent how deductibles work at each new term.
💡 Who Benefits Most
- 🧓 Early retirees waiting for Medicare
- 💼 Self-employed workers and contractors
- 🚚 Drivers and seasonal workers
- 📅 Anyone who needs coverage for more than a year
🧭 What to Know Before You Buy
Doctor visits, urgent care, emergencies, and hospital stays.
Pre-existing conditions and some maternity or mental health care.
You pay the full premium, although it is often lower.
Available through Vivna in 15 states.
⭐ Why Work With Vivna
Tri-Term plans differ in deductibles, limits, and exclusions. Therefore, comparing them side by side matters. A licensed agent also checks whether an ACA plan could save you more. Best of all, our help is free.
Compare with short-term plans, read about early retirement coverage, or visit our UnitedHealthcare FAQ page. When you are ready, call 888-730-6031 or request a free quote.
Tri Term Health Insurance Plan Details
UnitedHealthcare sells tri term health insurance as TriTerm Medical. Golden Rule Insurance Company underwrites it. Here is how the plan works, based on UnitedHealthcare's current product documents. Details can vary by state, so a licensed agent will confirm yours at 888-730-6031.
How the three terms work
- One application covers three back-to-back terms.
- Term 1 lasts 364 days. Terms 2 and 3 last 365 days each.
- In Indiana, each term lasts 364 days.
- Total coverage runs just under three years.
Key features of tri term health insurance
| Feature | What the plan does |
|---|---|
| Lifetime maximum | $2 million per covered person |
| Network | UnitedHealthcare Choice or Choice Plus, depending on your state |
| Pre-existing conditions | Not covered for the first 12 months. Eligible costs are covered after that. |
| Preventive care | Covered after a 6-month waiting period |
| Prescriptions | Included on most plans |
| Doctor visits | Copay plans charge $50 for the first 4 visits per term |
| Deductibles | $2,500 to $15,000 per person, per term (Florida options) |
| Pregnancy | Not covered, except for complications |
| Health questions | Yes. The plan is medically underwritten. |
Who can apply
Primary applicants are generally 19 to 63 years old when they apply. Coverage ends at age 65. A spouse and dependent children can join the same plan. In some states, you also join a member association, and its dues are added to your premium.
Tri term vs short-term vs ACA plans
| Question | Tri term | Short-term | ACA plan |
|---|---|---|---|
| How long it lasts | Just under 3 years | 1 to 12 months, by state | 12 months, renewable |
| Pre-existing conditions | Covered after 12 months | Not covered | Covered |
| Health questions | Yes | Yes | No |
| Tax credits | No | No | Yes, up to 400% of poverty |
| When you can buy | Any time | Any time | Open enrollment or a life event |
For a deeper look, compare tri-term vs. short-term health insurance or read the UnitedHealthcare tri-term FAQs. Still deciding? Read Is TriTerm Medical Insurance Good? for the pros and cons.
Where tri term health insurance is sold
UnitedHealthcare offers tri term health insurance in 15 states. South Carolina and West Virginia are the newest.
| State | Network | State | Network |
|---|---|---|---|
| Alabama | Choice Plus | Louisiana | Choice |
| Arizona | Choice Plus | Mississippi | Choice |
| Arkansas | Choice Plus | Missouri | Choice |
| Florida | Choice (Value plans: Choice Plus) | Nebraska | Choice |
| Georgia | Choice Plus | South Carolina | Choice |
| Indiana | Choice | Tennessee | Choice |
| Iowa | Choice | West Virginia | Choice |
| Kentucky | Choice Plus |
Retiring before 65? Tri term health insurance can bridge most of the gap. See our early retirement health insurance guide, or call 888-730-6031 for a free quote.
Sources: UnitedHealthcare Individual Product Availability grid (Aug 28, 2026); TriTerm Medical brochure and flyer (2026). This summary is not a contract. Your state's policy and brochure control.
Vivna Insurance is an independent, appointed insurance broker. This website is operated by Vivna Insurance, not by UnitedHealthcare or its affiliates. TriTerm Medical plans are underwritten by Golden Rule Insurance Company. TriTerm Medical is short-term, limited-duration insurance. It is not comprehensive health coverage. It does not qualify as Minimum Essential Coverage under the Affordable Care Act and may not include all essential health benefits. Federal premium tax credits and cost-sharing help do not apply. Plans have dollar limits and are medically underwritten. Pre-existing conditions are not covered during the first 12 months of coverage. Availability, plan lengths and benefits vary by state. If this coverage ends, you may need to wait for open enrollment to get ACA coverage.
🗺️ Where Tri-Term Plans Are Available
Vivna offers tri term health insurance from UnitedHealthcare in 15 states. Dark blue states offer these plans. In addition, every state page shows your ACA options.
📍 Browse All State Guides
Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, D.C. West Virginia Wisconsin Wyoming
Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6031 today.
❓ Tri Term Health Insurance FAQs
Tri term health insurance offers longer temporary coverage than a standard short-term plan. Below, our licensed agents answer common questions about how these UnitedHealthcare plans work and who they fit.
⏳ How Tri-Term Plans Work
What is tri term health insurance?
It is a UnitedHealthcare plan that links back-to-back terms under one application. As a result, you can keep coverage for 24 or 36 months. Standard short-term plans, by contrast, last 12 months or less. Therefore, it suits people who need a longer bridge to other coverage. Compare it with short-term health insurance, or see tri-term vs. short-term side by side.
How is a Tri-Term plan different from an ACA plan?
ACA plans cover pre-existing conditions and qualify for tax credits. Tri-Term plans do not qualify for tax credits and exclude pre-existing conditions in the first year. Still, you can buy them year-round, and premiums can be lower for healthy people. So the right choice depends on your health and income. Review our open enrollment guide and these top-rated plan choices.
Does tri term health insurance cover pre-existing conditions?
Not at first. Tri-Term pays no benefits for pre-existing conditions in the first 12 months. After that, eligible care for some conditions may be covered. Read short-term coverage and pre-existing conditions. It may also limit benefits such as maternity or mental health care. If you have an ongoing condition, an ACA plan may protect you better. Our health insurance page explains those options.
📍 Timing, Fit & Availability
Can I buy it after open enrollment ends?
Yes. You can apply any time of year, and coverage can start soon after. As a result, this helps if you missed open enrollment and lack a special enrollment reason. Later, you can switch to an ACA plan during the next enrollment period. Learn more about buying coverage after open enrollment and short-term coverage after open enrollment.
Who should consider a Tri-Term plan?
It often fits healthy adults who need coverage for more than a year. For example, early retirees waiting for Medicare often choose it. Self-employed workers and drivers also use it as a bridge. See our guides for early retirement coverage and owner-operator truckers.
Which states offer tri term health insurance through Vivna?
Currently, Vivna offers Tri-Term plans in 15 states. For example, they include Alabama, Arizona, Arkansas, Florida, Georgia, Indiana, and Iowa. Plans are also sold in Kentucky, Louisiana, Mississippi, Missouri, Nebraska, South Carolina, Tennessee, and West Virginia. Visit your state page to see local options.
💲 Costs & Expert Help
How much does a Tri-Term plan cost?
Generally, prices depend on your age, location, deductible, and plan choice. Often, healthy applicants pay less than unsubsidized ACA premiums. Still, you cannot use tax credits with these plans. So compare your total yearly costs before you decide. Also, learn how deductibles work.
How can a Vivna agent help me choose?
Our licensed agents compare Tri-Term, short-term, and ACA plans side by side. Best of all, our help costs you nothing. So call 888-730-6031 or request a free quote online today. You can also learn more about UnitedHealthcare coverage and its provider network.
Answers are general, and plan details vary by carrier and state. Call 888-730-6031 to confirm your options.
📚 Tri-Term Health Insurance Tips & Guides
Coverage decisions are easier when you know the basics. So our licensed agents write these guides to explain your options, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6031 anytime.
📚 More Tri-Term Health Insurance Guides
🧩 Related Coverage & FAQs
📞 Start Your Free Quote With a Licensed Agent
Have questions about health, dental, vision, life, or supplemental coverage? Our licensed agents compare your options, and our help costs you nothing. So start your quote below, or call 888-730-6031 to talk with an agent today.
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