What makes you not eligible for TRICARE?

Written by Editorial Team | Last Updated: August 2026

Ineligibility for TRICARE military healthcare coverage typically occurs when an individual fails to maintain an active affiliation with the United States Uniformed Services or loses qualifying sponsor status. Common reasons for losing eligibility include a service member receiving a dishonorable or bad conduct discharge, a former spouse legally divorcing a service member without meeting specific length-of-marriage and military service overlap criteria (such as the 20/20/20 rule), children aging out past statutory dependent limits without qualifying as incapacitated or enrolled students, or voluntary separation from active duty without transitioning to reserve, guard, or military retirement benefits.

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