Home › Benefits › TRICARE costs 2026
Direct answer: In 2026, active duty families pay no TRICARE enrollment fee. Retirees pay $381.96 a year (individual) or $765 (family) for TRICARE Prime if the sponsor joined before 2018 (Group A), or $462.96 / $927 in Group B. TRICARE Select costs retirees $186.96 / $375 (Group A) or $594.96 / $1,191 (Group B). 2027 fees aren't posted yet.
By the numbers: A catastrophic cap is the most you or your family members pay for covered health care services each calendar year (Jan. 1–Dec. 31). Source: TRICARE: Catastrophic Cap
“Beneficiary out-of-pocket expenses impacted by the 2026 COLA will be posted to the tricare.mil/changes web page before the start of TRICARE Open Season” — Federal Register 2026-19115 (Sept. 18, 2026)
Updated 2026-10-17
Group A (sponsor joined before Jan. 1, 2018): $381.96 a year for an individual or $765 for a family, with a $3,000 family catastrophic cap. Group B: $462.96 or $927, with a $4,635 cap. No deductible. The fee is waived if you're under 65 and have Medicare Part A and B (Group A). Source: TRICARE Health Plan Costs, updated Sept. 24, 2026.
Active duty families: $0 enrollment; deductible $50/$100 (E-1 to E-4) or $150/$300 (E-5+) in Group A, $66/$132 or $198/$397 in Group B. Retirees: $186.96/$375 a year plus a $150/$300 deductible in Group A ($4,381 cap); $594.96/$1,191 plus a $198/$397 network deductible in Group B ($4,635 cap).
Not posted yet. The Sept. 18, 2026 Federal Register notice says 2027 enrollment fees, deductibles, caps and copays adjust with the retired pay COLA and will be posted at tricare.mil/changes before Open Season (Nov. 9 - Dec. 8, 2026). Pharmacy copays are unchanged for 2027: $16 / $48 / $85 retail, $14 / $44 / $85 home delivery.
Group A: the sponsor's initial enlistment or appointment began before Jan. 1, 2018. Group B: on or after Jan. 1, 2018. Group B generally has higher retiree enrollment fees and caps but lower Select copays for active duty families (TRICARE).
Enrollment fees, deductibles, pharmacy copays and other cost-shares for covered care. Not counted: monthly premiums (TRS, TRR, TYA, CHCBP), point-of-service charges, non-covered care, and non-participating providers' extra charges. Prime and Select enrollees stop paying enrollment fees once they reach the cap (TRICARE).
Nov. 9 through Dec. 8, 2026 (Federal Register notice, Sept. 18, 2026). Changes take effect Jan. 1, 2027. If you stay eligible and change nothing, your coverage continues in 2027. FEDVIP dental and vision Open Season runs Nov. 9 - Dec. 7, 2026.
$57.88 a month for the member only or $286.66 for member and family, with a $1,324 family catastrophic cap. TRICARE Retired Reserve is $645.90 or $1,548.30 a month (TRICARE Health Plan Costs).
As of Oct. 17, 2026 · TRICARE 2026 cost pages · Federal Register CY 2027 notice
Active duty families: $0 enrollment. Retirees: TRICARE Prime is $765 a year for a family in Group A ($927 in Group B); Select is $375 (A) or $1,191 (B). The catastrophic cap ($1,000 to $4,635 a family) includes enrollment fees, so it's the most you'd pay in 2026 for covered care. 2027 costs post before Open Season (Nov. 9 - Dec. 8, 2026).
The math:
Sources: TRICARE Health Plan Costs · TRICARE Catastrophic Cap · Federal Register CY 2027 notice
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Active duty family includes transitional survivors. “Survivor” means a survivor of a sponsor who died on active duty; retiree also covers other non-active-duty beneficiaries.
| Who / plan | Enrollment fee a year (individual / family) | Deductible a year (individual / family) | Catastrophic cap (family) |
|---|---|---|---|
| Active duty family, Group A, Prime | $0 | $0 | $1,000 |
| Active duty family, Group A, Select | $0 | E-1 to E-4: $50 / $100; E-5+: $150 / $300 | $1,000 |
| Active duty family, Group B, Prime | $0 | $0 | $1,324 |
| Active duty family, Group B, Select | $0 | E-1 to E-4: $66 / $132; E-5+: $198 / $397 | $1,324 |
| Retiree / other, Group A, Prime | $381.96 / $765 | $0 | $3,000 |
| Retiree / other, Group A, Select | $186.96 / $375 | $150 / $300 | $4,381 |
| Retiree / other, Group B, Prime | $462.96 / $927 | $0 | $4,635 |
| Retiree / other, Group B, Select | $594.96 / $1,191 | $198 / $397 network ($397 / $794 non-network) | $4,635 |
| Classified in DEERS | Individual | Family |
|---|---|---|
| Starting Jan. 1, 2026 | $381.96 | $765 |
| 2025 | $372 | $744 |
| 2024 | $363 | $726 |
| 2023 | $351.96 | $703.92 |
| 2022 | $323 | $647 |
| 2021 | $303 | $606 |
| 2020 | $300 | $600 |
| 2019 | $297 | $594 |
| 2018 | $289.08 | $578.16 |
| Oct. 1, 2015 - Dec. 31, 2017 | $282.60 | $565.20 |
| Oct. 1, 2014 - Sept. 30, 2015 | $277.92 | $555.84 |
| Oct. 1, 2013 - Sept. 30, 2014 | $273.84 | $547.68 |
| Oct. 1, 2012 - Sept. 30, 2013 | $269.28 | $538.56 |
| Oct. 1, 2011 - Sept. 30, 2012 | $260 | $520 |
| Before Oct. 1, 2011 | $230 | $460 |
The fee stays frozen as long as there's no break in your TRICARE Prime enrollment. Source: TRICARE Health Plan Costs.
| Service | AD family A Select | AD family B Select | Retiree A Prime | Retiree A Select | Retiree B Prime | Retiree B Select |
|---|---|---|---|---|---|---|
| Primary care visit | $28 | $19 | $26 | $38 | $26 | $33 |
| Specialist visit | $39 | $33 | $39 | $52 | $39 | $52 |
| Urgent care | $28 | $26 | $39 | $38 | $39 | $52 |
| Emergency room | $103 | $52 | $79 | $138 | $79 | $105 |
| Outpatient (ambulatory) surgery | $25 | $33 | $79 | 20% | $79 | $125 |
| Hospital admission | $24.50 a day or $25 an admission, whichever is more | $79 an admission | $198 an admission | $250 a day or 25% of hospital charges, whichever is less, + 20% of separately billed services | $198 an admission | $231 an admission |
Active duty family members pay $0 for network care in TRICARE Prime (Group A or B). Preventive care is $0 in network for everyone. Non-network care in Select is generally 20% (active duty families) or 25% (retirees) after the deductible; in Prime, non-network care without a referral costs point-of-service fees. Source: TRICARE Health Plan Costs.
| Pharmacy | Generic | Brand-name | Non-formulary |
|---|---|---|---|
| Military pharmacy (up to 90 days) | $0 | $0 | Generally not available without medical necessity |
| TRICARE Pharmacy Home Delivery (up to 90 days) | $14 | $44 | $85 |
| TRICARE retail network pharmacy (up to 30 days) | $16 | $48 | $85 |
| Plan | Monthly premium | Catastrophic cap | Deductible a year |
|---|---|---|---|
| TRICARE Reserve Select (TRS) | Member only: $57.88 · Member and family: $286.66 | $1,324 per family | E-1 to E-4: $66 / $132 · E-5+: $198 / $397 |
| TRICARE Retired Reserve (TRR) | Member only: $645.90 · Member and family: $1,548.30 | $4,635 per family | Network $198 / $397 · non-network $397 / $794 |
| TRICARE Young Adult (TYA) Prime | $794 per individual | $1,324 (active duty sponsor) or $4,635 (retired sponsor) | $0 |
| TRICARE Young Adult (TYA) Select | $363 per individual | $1,324 (active duty sponsor or TRS) or $4,635 (retired sponsor or TRR) | Active duty/TRS sponsor: E-1 to E-4 $66, E-5+ $198 · retired/TRR sponsor: $198 network, $397 non-network |
Premiums don't count toward the catastrophic cap, and you keep paying them after you reach it. 2027 premiums will be posted at tricare.mil/changes once announced (Federal Register notice). Sources: TRICARE Health Plan Costs · TRICARE Catastrophic Cap · Federal Register CY 2027 notice.
Facts and arithmetic only. VaultRubric isn't TRICARE or the Defense Health Agency, and this isn't advice on which plan to choose. Figures are TRICARE's published 2026 costs; your regional contractor's bill is the final number.
Group A (sponsor joined before Jan. 1, 2018): $381.96 a year for an individual or $765 for a family, with a $3,000 family catastrophic cap. Group B: $462.96 or $927, with a $4,635 cap. No deductible. The fee is waived if you're under 65 and have Medicare Part A and B (Group A). Source: TRICARE Health Plan Costs, updated Sept. 24, 2026.
Active duty families: $0 enrollment; deductible $50/$100 (E-1 to E-4) or $150/$300 (E-5+) in Group A, $66/$132 or $198/$397 in Group B. Retirees: $186.96/$375 a year plus a $150/$300 deductible in Group A ($4,381 cap); $594.96/$1,191 plus a $198/$397 network deductible in Group B ($4,635 cap).
Not posted yet. The Sept. 18, 2026 Federal Register notice says 2027 enrollment fees, deductibles, caps and copays adjust with the retired pay COLA and will be posted at tricare.mil/changes before Open Season (Nov. 9 - Dec. 8, 2026). Pharmacy copays are unchanged for 2027: $16 / $48 / $85 retail, $14 / $44 / $85 home delivery.
Group A: the sponsor's initial enlistment or appointment began before Jan. 1, 2018. Group B: on or after Jan. 1, 2018. Group B generally has higher retiree enrollment fees and caps but lower Select copays for active duty families (TRICARE).
Enrollment fees, deductibles, pharmacy copays and other cost-shares for covered care. Not counted: monthly premiums (TRS, TRR, TYA, CHCBP), point-of-service charges, non-covered care, and non-participating providers' extra charges. Prime and Select enrollees stop paying enrollment fees once they reach the cap (TRICARE).
Nov. 9 through Dec. 8, 2026 (Federal Register notice, Sept. 18, 2026). Changes take effect Jan. 1, 2027. If you stay eligible and change nothing, your coverage continues in 2027. FEDVIP dental and vision Open Season runs Nov. 9 - Dec. 7, 2026.
$57.88 a month for the member only or $286.66 for member and family, with a $1,324 family catastrophic cap. TRICARE Retired Reserve is $645.90 or $1,548.30 a month (TRICARE Health Plan Costs).
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.
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