Is Military Health Insurance Free? 
For active duty , AGR , and ADOS personnel the answer is yes . Basically whenever you are on orders for more than 30 days . TRICARE is the military provider and very few things are `` out-of-pocket '' as long as you stay within their guidelines . Reserves and National Guard have the option to purchase TRICARE for a specified monthly premium . It changes from year-to-year but it was only a few hundred dollars per month the last time I used it in 2008 . However , compared to most employer plans the premium is relatively low even for a family . 