The decision to serve one's country by reenlisting and committing to a second tour of duty can negatively impact and affect health insurance quotes. The government has responded favorably to this dilemma that confronts many second tour of duty service members with a health insurance plan that supports rather than penalizes service members who enlist for a second tour of duty. This program offers diversity in its program, and serves over 9.2 million enlisted personnel and their families, retirees and their families, and veterans who have admirably served their country. The Department of Defense indemnifies military personnel and their families. The program has different benefit packages, financing protocols, and eligibility criteria. It is designed to provide health insurance, especially for military personnel enlisting for a second tour of duty.

Before the inception of TRICARE, enlisted military personnel often encountered difficulties obtaining health insurance quotes from insurance professionals representing civilian insurers. Service members who have served one tour of duty have an increased risk of medical and cognitive issues resulting from the tragedy of war and injuries during that period of time. However, the Department of Defense provides and purchases health care insurance for beneficiaries, which includes active duty military personnel and their dependents. Many private insurers consider military insured on a second tour of duty as high-risk policyholders due to the high incidences of suicide and battle related injuries and illnesses.

The Department of Defense's managed health program is called TRICARE. Al branches of service use it. This health indemnification has three options: TRICARE Prime, which is the HMO portion of the program, TRICARE Ultra, which has a very large provider network but has a deductible, and TRICARE Standard, that was formerly known as Champus. In addition, there is a program especially for Reservists and National Guard who often enlist for a second tour of duty that is available for a reasonable monthly premium. This coverage provides comprehensive health insurance that includes dental.

TRICARE is funded by US Congressional appropriations for the Department of Defense's primary budget. TRICARE actually ensures that service members returning from active duty such as a second tour of duty are insured until they can be transitioned into the Veterans Administration health care services. TRICARE provides health insurance security for service members serving their country in a second tour of duty without the problems and inconsistencies they would encounter when receiving private health insurance quotes. As risk and probability are not a consideration of underwriting when enrolling for TRICARE, this removes some of the family health insurance problems for military personnel enlisting for a second tour of duty.