C
TriTerm is an extended medical insurance plan available in Florida with no open enrollment requirement. Coverage lasts up to 36 months on the UnitedHealthcare nationwide PPO network. It can start within 5 days and is a strong alternative to ACA plans for healthy adults who missed Open Enrollment or pay full premium.
TriTerm can be purchased any day of the year — no need to wait for Open Enrollment or a qualifying life event. Coverage can start within 5 days.
Unlike standard short-term plans (3–6 months), TriTerm provides major medical coverage for three full 12-month terms — up to 3 years of continuous coverage.
1.8 million+ providers and 7,200+ hospitals nationwide. Same network as UHC's major medical plans — not a limited network like some short-term plans.
Value
Plan 80
Plan 100
Copay Select Max
Philip will pull actual TriTerm quotes for your age and ZIP code. Deductible choices of $2,500 / $5,000 / $7,500 / $10,000 / $12,500 are available depending on the plan tier selected.
Available Only in Select States — Including Florida
TriTerm Medical is only available in a small number of states, and Florida is one of them. This is a significant advantage for Florida residents compared to most of the country, where only standard short-term plans (3–6 months) are available outside of Open Enrollment. If you're a Floridian who needs coverage now but doesn't qualify for an ACA Special Enrollment Period, TriTerm is one of the strongest options available to you.
TriTerm is an extended short-term medical insurance plan underwritten by Golden Rule Insurance Company (a UnitedHealthcare subsidiary). Unlike standard short-term plans that last 3–6 months, TriTerm provides major medical coverage for up to 36 months (three 12-month terms). It's available in Florida and a handful of other states. TriTerm uses the UnitedHealthcare nationwide PPO network — over 1.8 million providers and 7,200+ hospitals — and can be purchased any time of year with no open enrollment period.
TriTerm is a strong option for: (1) Floridians who missed ACA Open Enrollment and don't have a qualifying life event for a Special Enrollment Period; (2) Healthy adults above the ACA subsidy threshold who want lower premiums than an unsubsidized ACA plan; (3) People between jobs who need coverage while waiting for employer benefits to start; (4) Self-employed Floridians who want year-round enrollment flexibility and a nationwide PPO network. TriTerm is NOT a good fit if you have pre-existing conditions, are pregnant, or want the ACA's essential health benefit protections.
No. TriTerm is not an ACA-compliant plan. It does not cover the 10 essential health benefits required by the ACA, it can exclude pre-existing conditions, and it does not qualify as minimum essential coverage for federal tax purposes. You will not face a federal tax penalty for having TriTerm (the federal individual mandate penalty was eliminated), but you should be aware that TriTerm may not cover certain conditions you have when you enroll. A licensed agent will review your health history and help you understand exactly what TriTerm covers before you apply.
TriTerm premiums vary by age, deductible choice, and plan tier. For a healthy 35-year-old in Florida, TriTerm plans typically start around $150–$250/month depending on the deductible selected ($2,500–$12,500 options available). This is often significantly less than an unsubsidized ACA Bronze plan for the same person. The four TriTerm plan options are: Copay Select Max, Plan 80, Plan 100, and Value. Philip will compare actual TriTerm quotes against ACA and private plan options at no cost.
TriTerm coverage can start within 5 days of application approval. Unlike ACA marketplace plans that have specific effective dates tied to enrollment windows, TriTerm can begin almost immediately after underwriting approval. This makes it ideal for Floridians who need coverage fast — after a job loss, after aging off a parent's plan, or when starting self-employment.
Philip Smith · Licensed Florida Insurance Agent
NPN #22255420 · FL Lic. #G349232 · Philip compares TriTerm against ACA marketplace plans and private underwritten plans — and will tell you honestly which one makes the most sense for your situation. The consultation is free.
Philip compares specific PPO, HMO, and EPO plans from 22+ carriers based on your doctors, budget, and ZIP code — in one free call.
By submitting, you consent to SMS/calls from Insurance Answers USA (Philip Smith, NPN #22255420 · FL Lic. #G349232). Consent not required to purchase. Reply STOP to opt out.