I would appreciate some advice regarding switching to a new health insurance.

I am in a bit of tough decision to make.

My dad keeps trying to encourage me to switch to a health insurance held by his new wife. The health insurance is called Tricare. As my dad has stated several times, it would allow me to go to the same doctors, get the same medicines for a lower to no copay, and would in general save money in regard to my medical treatment.

I, however, feel hesitant in switching to this new insurance. For one, I already have my mom’s health insurance, Blue Cross Blue Shield which seems to be working pretty well for now. Secondly, my mother (who is the guardian I currently live with) is very hesitant about it. She feels like my dad might be up to something not good, and is worried about the specifics of switching over (for example, if I get into an accident and need to give the medical staff the insurance details, that there would be problems in telling them that the insurance is held by my stepmother who I’ve only met once). She and me are also worried in general, as there were times when my dad promised to help with something and ended up not holding up his promise.

I apologize for going into personal family stuff, but I would really appreciate advice regarding switching.

Does anyone have experience with this “Tricare”?

How could it potentially affect me, my mom, my dad, and my stepmother?

Are there any things I should be aware of potentially happening if I do decide to switch?

Thank you to anyone who can offer some help.