NOVEMBER 6, 2026 – As 2026 comes to an end, it’s a good time to consider your family’s healthcare options for the year ahead. You should know that your TRICARE health plan costs will change starting Jan. 1, 2027. Depending on your plan, these costs may include enrollment fees, premiums, cost-shares, and copayments.
“Get to know your 2027 TRICARE health plan costs, so you can learn how your healthcare expenses may change next year,” said Debra Fisher, Health System Specialist, TRICARE Health Plan, at the Defense Health Agency. “Reviewing costs will help you decide if you want to keep your current coverage or change your enrollment during TRICARE Open Season.”
During each year’s TRICARE Open Season, anyone enrolled in or eligible for a TRICARE Prime or TRICARE Select plan option can make changes to their healthcare coverage. This year, open season begins Nov. 9 and ends Dec. 8. Any changes you make during open season will take effect Jan. 1, 2027.
**Note:**TRICARE costs change each year based on the law, the federal cost of living adjustment, and the costs of healthcare services and prescription drugs.
Your beneficiary category and your beneficiary group determine the enrollment fees, premiums, and out-of-pocket costs for your TRICARE plan. TRICARE beneficiaries fall into one of two groups:
- Group A: The sponsor’s initial enlistment or appointment began before Jan. 1, 2018.
- Group B: The sponsor’s initial enlistment or appointment began on or after Jan. 1, 2018.
Are you enrolled in a premium-based health plan? Follow TRICARE Select Group B costs. The premium-based health plans are:
Active duty service member costs
Active duty service members don’t have out-of-pocket costs.
Active duty family member costs
These costs depend on:
- Your TRICARE health plan
- Your sponsor’s pay grade and group
- What kind of care you get
- Where you get care
Are you enrolled in a TRICARE Prime plan? You won’t have copayments unless you don’t follow your plan’s rules or fill a prescription outside of a military pharmacy. Table 1 below shows your annual enrollment fee and annual deductible.
Table 2 shows your annual catastrophic cap and network and non-network copayments and cost-shares. Changes from 2026 costs are in bold.
Table 1: CY 2027 TRICARE Prime and TRICARE Select enrollment fees and deductibles: active duty family members
| Cost type | TRICARE Prime****Group A | TRICARE Prime****Group B | TRICARE Select****Group A | TRICARE Select****Group B |
|---|---|---|---|---|
| Annual enrollment fee (Individual) | $0 | $0 | $0 | $0 |
| Annual enrollment fee (Family) | $0 | $0 | $0 | $0 |
| Annual deductible (Individual: E-4 and below) | $0 | $0 | $50 | $68 |
| Annual deductible (Family: E-4 and below) | $0 | $0 | $100 | $137 |
| Annual deductible (Individual: E-5 and above) | $0 | $0 | $150 | $205 |
| Annual deductible (Family: E-5 and above) | $0 | $0 | $300 | $411 |
Table 2: CY 2027TRICARE Prime and TRICARE Select out-of-pocket costs: active duty family members
| Cost type | TRICARE Prime****Group A* | TRICARE Prime****Group B* | TRICARE Select****Group A | TRICARE Select****Group B |
|---|---|---|---|---|
| Annual catastrophic cap | $1,000 | $1,372 | $1,000 | $1,372 |
| Preventive care visit | $0 | $0 | $0 | $0 |
| Primary care | $0 | $0 | Network: $30 Non-network: 20%** | Network: $20 Non-network: 20%** |
| Specialty care | $0 | $0 | Network: $39 Non-network: 20%** | Network:$34 Non-network: 20%** |
| Emergency room visit | $0 | $0 | Network: $107 Non-network: 20%** | Network: $54 Non-network: 20%** |
| Urgent care center visit | $0 | $0 | Network: $30 Non-network: 20%** | Network: $27 Non-network: 20%** |
| Ambulatory surgery | $0 | $0 | Network and Non-network: $25 | Network: $34 Non-network: 20%** |
| Ambulance, outpatient ground | $0 | $0 | Network :$86 Non-network: 20%** | Network: $20 Non-network: 20%** |
| Ambulance, outpatient air | $0 | $0 | Network and Non-network: 20%** | Network and Non-network: 20%** |
| Durable medical equipment | $0 | $0 | Network: 15% Non-network: 20%** | Network: 10% Non-network: 20%** |
| Inpatient admission | $0 | $0 | Network and Non-network: $25.45 per day | Network: $82 per admission Non-network: 20%** |
| Inpatient skilled nursing facility/rehab facility | $0 | $0 | Network and Non-network: $25.45 per day | Network: $34 per day Non-network: $68 per day |
* Getting non-network care may result in point-of-service fees. ** Percentage of TRICARE maximum-allowable charge after annual deductible is met. Note:
- For primary mental healthcare, follow primary care costs.
- For specialty mental healthcare, follow specialty care costs.
- For maternity care (delivery and inpatient) or inpatient mental healthcare, follow inpatient admission costs.
Retired service members, their family members, and others
Table 3 below shows your TRICARE Prime and TRICARE Select annual enrollment fees and annual deductibles. Table 4 shows your TRICARE Prime and TRICARE Select catastrophic caps, network and non-network copayments, and cost-shares. Changes from 2026 costs are in bold.
Table 3: CY 2027 TRICARE Prime and TRICARE Select enrollment fees and deductibles: retirees, their family members, and all others
| Cost type | TRICARE Prime****Group A | TRICARE Prime****Group B | TRICARE Select****Group A | TRICARE Select****Group B |
|---|---|---|---|---|
| Annual enrollment fee (Individual) | $396 | $480 | $193.92 | $616.92 |
| Annual enrollment fee (Family) | $792.96 | $960 | $388.92 | $1,233.96 |
| Annual deductible (Individual) | $0 | $0 | $150 | Network: $205 Non-network: $411 |
| Annual deductible (Family) | $0 | $0 | $300 | Network: $411Non-network: $823 |
Table 4: CY 2027TRICARE Prime and TRICARE Select out-of-pocket costs: retirees, their family members, and all others
**Note:**The CY 2027 catastrophic cap for TRICARE Select Group A retirees who are survivors of active duty deceased sponsors or medically retired uniformed service members and their family members is $3,000.
| Cost type | TRICARE Prime****Group A* | TRICARE Prime****Group B* | TRICARE Select****Group A | TRICARE Select****Group B |
|---|---|---|---|---|
| Annual catastrophic cap | $3,000 | $4,802 | $4,538 | $4,802 |
| Preventive care visit | $0 | $0 | $0 | $0 |
| Primary care | $27 | $27 | Network: $40 Non-network: 25%** | Network: $34 Non-network: 25%** |
| Specialty care | $41 | $41 | Network: $52 Non-network: 25%** | Network: $54 Non-network: 25%** |
| Emergency room visit | $82 | $82 | Network: $143 Non-network: 25%** | Network: $109 Non-network: 25%** |
| Urgent care center visit | $41 | $41 | Network: $40 Non-network: 25%** | Network: $54 Non-network: 25%** |
| Ambulatory surgery | $82 | $82 | Network: 20%*Non-network: 25%** | Network:$130Non-network: 25%** |
| Ambulance, outpatient ground | $54 | $54 | Network: $115 Non-network: 25%** | Network: $82 Non-network: 25%** |
| Ambulance, outpatient air | $20 | $20 | Network and Non-network: 25%** | Network and Non-network: 25%** |
| Durable medical equipment | 20% | 20% | Network: 20%**Non-network: 25%** | Network: 20%**Non-network: 25%** |
| **Inpatient admission:**Network | $205 per admission | $205 per admission | $250/day up to 25% of hospital charges, plus 20% of separately billed services | $240 per admission |
| **Inpatient admission:**Non-network | $205per admission | $205per admission | ǂ $1,345/day up to 25% of hospital charges, plus 25% of separately billed services | 25%** |
| Inpatient skilled nursing facility/rehab facility | $41 per day | $41 per day | Network: $250/day up to 25% of hospital charges, plus 20% of separately billed services Non-network: 25%** | Network: $68 per day Non-network: $411 per day or 20%** (whichever is less) |
* Getting non-network care may result in point-of-service fees. ** Percentage of TRICARE maximum-allowable charge after annual deductible is met. ǂ This is the CY 2026 rate. All final claimsreimbursed under the TRICARE Diagnosis Related Group-based payment system are to be priced using the rules, weights, and rates in effect as of the date of discharge.
Premium-based plans
When you or your family members purchase a premium-based health plan, you pay a monthly or quarterly premium.
Table 5 shows the monthly premiums for TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult-Prime, and TRICARE Young Adult-Select.
Changes from 2026 costs are in bold.
Table 5:CY 2027 TRICARE premium-based health plans monthly premiums
| Premium-based health plan | Member Only | Member and Family |
|---|---|---|
| TRICARE Reserve Select | $60.54 | $307.48 |
| TRICARE Retired Reserve | $707.59 | $1,697.70 |
| TRICARE Young Adult-Prime | $893 | Not applicable |
| TRICARE Young Adult-Select | $394 | Not applicable |
Looking for other TRICARE costs?
- TRICARE Pharmacy Program costs won’t change in 2027.
- TRICARE For Life 2027 costs will be posted early next year.
- Current TRICARE Dental Program premiums will stay the same through Feb. 28, 2027.
Want to review your costs for the current year? Go to 2026 costs. Also, check out Cost Terms to learn the definitions of some common healthcare terms.
Courtesy Story
Defense Health Agency