An official website of the United States government
Here's how you know
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

News | Nov. 7, 2023

Know Your 2024 TRICARE Health Plan Costs

By TRICARE Communications

With a new year fast approaching, you may see changes to your TRICARE health plan costs starting on Jan. 1, 2024. These costs may include enrollment fees, premiums, cost-shares, and copayments.
 
“TRICARE costs may change every year based on the law and the federal cost of living adjustment,” said Zelly Zim, a senior analyst with TRICARE Policy and Programs at the Defense Health Agency. “Other factors, which include changes in the costs of health care services and prescription drugs, can also affect TRICARE costs.”

Understanding the updated costs of your TRICARE health plan can help you prepare for TRICARE Open Season. This is the annual period when anyone enrolled in or eligible for TRICARE Prime, US Family Health Plan, or TRICARE Select can make changes to their health care coverage. This year’s open season starts on Nov. 13 and ends on Dec. 12. Changes you make during open season go into effect on Jan. 1, 2024.

Your beneficiary category and your beneficiary group determine your enrollment fees or premiums and out-of-pocket costs you may have with your TRICARE plan. TRICARE beneficiaries fall into one of two groups: Group A or Group B.
  • You’re in Group A if your initial enlistment or appointment or that of your sponsor began before Jan. 1, 2018.
  • You’re in Group B if your initial enlistment or appointment or that of your sponsor began on or after Jan. 1, 2018.
If you’re enrolled in a premium-based health plan, follow TRICARE Select Group B deductibles and applicable copayments and cost-shares. Premium-based health plans include these plans: Below is a list of the 2024 costs for TRICARE health plans. Changes from 2023 costs are in bold.

Active Duty Family Member Costs

Active duty service members don’t have out-of-pocket costs. However, active duty family members (ADFMs) may have costs. These costs depend on your TRICARE health plan, your sponsor’s pay grade and group, the type of care you get, and where you get care. If you’re enrolled in a TRICARE Prime plan, you won’t have copayments unless you use the point-of-service option 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 2023 costs are in bold.

Table 1: Calendar Year 2024 TRICARE Select and TRICARE Prime Enrollment Fees and Deductibles: Active Duty Family Members

Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual enrollment fee Individual $0 $0 $0 $0
Family $0 $0 $0 $0
Annual deductible Individual
(E-4 and below)
$50 $62 $0 $0
Family
(E-4 and below)
$100 $125 $0 $0
Individual
(E-5 and above)
$150 $188 $0 $0
Family
(E-5 and above)
$300 $377 $0 $0
 

Table 2: Calendar Year 2024 TRICARE Select and TRICARE Prime Out-of-Pocket Costs: Active Duty Family Members

Out-of-pocket Cost TRICARE Select TRICARE Prime**
Group A Group B Group A Group B
Annual catastrophic cap $1,000 $1,256 $1,000 $1,256
Preventive care visit $0 $0 $0 $0
Primary care Network:
$27
Out-of-Network:
20%*
Network:
$18
Out-of-Network:
20%*
$0 $0
Specialty care Network:
$38
Out-of-Network:
20%*
Network:
$31
Out-of-Network:
20%*
$0 $0
Emergency room visit Network:
$104
Out-of-Network:
20%*
Network:
$50
Out-of-Network:
20%*
$0 $0
Urgent care center visit Network:
$27
Out-of-Network:
20%*
Network:
$25
Out-of-Network:
20%*
$0 $0
Ambulatory surgery Network and
Out-of-Network:
$25
 
Network:
$31 
Out-of-Network:
20%*
$0 $0
Ambulance, outpatient ground Network:
$79
Out-of-Network:
20%*
Network:
$18
Out-of-Network:
20%*
$0 $0
Ambulance, outpatient air Network and
Out-of-Network:
20%*
Network and
Out-of-Network:
20%*
$0 $0
Durable medical equipment Network:
15%
Out-of-Network:
20%*
Network:
10%
Out-of-Network:
20%*
$0 $0
Inpatient admission Network and
Out-of-Network: $22.30 per day;
$25 minimum per admission
Network:
$75 per admission
Out-of-Network:
20%*
$0 $0
Inpatient skilled nursing facility/rehab facility Network and
Out-of-Network: $22.30 per day;
$25 minimum per admission
Network:
$31 per day
Out-of-Network:
$62 per day
$0 $0

*Percentage of TRICARE maximum-allowable charge after annual deductible is met.
**Out-of-network may result in using the point-of-service option.
 
Note: The costs for maternity (delivery and inpatient) are the same costs for inpatient admission. The costs for inpatient mental health are the same costs for inpatient admission. Mental health (primary care) follows the same costs as for primary care. Mental health (specialty care) follows the same costs as for specialty care.

Retired Service Members, Their Families, and Others

Table 3 below shows your TRICARE Select and TRICARE Prime annual enrollment fees and annual deductibles. Table 4 shows your TRICARE Select and TRICARE Prime catastrophic caps, network and non-network copayments, and cost-shares. Changes from 2023 costs are in bold.

Table 3: Calendar Year 2024 TRICARE Select and TRICARE Prime Enrollment Fees and Deductibles: Retired Service Members, Their Families, and Others

Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual enrollment fee Individual $177.96 $564.96 $363 $438.96
Family $355.92 $1,131 $726 $879
Annual deductible Individual $150 Network:
$188
Out-of-Network:
$377
$0 $0
Family $300 Network:
$377 
Out-of-Network:
$754
$0 $0
 

Table 4: Calendar Year 2024 TRICARE Select and TRICARE Prime Out-of-Pocket Costs: Retirees, their Families, and all Others

Out-of-pocket cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual catastrophic cap $4,157 $4,399 $3,000 $4,399
Preventive care visit $0 $0 $0 $0
Primary care Network:
$36
Out-of-Network:
25%*
Network:
$31 
Out-of-Network:
25%*
$25 $25
Specialty care Network:
$50
Out-of-Network:
25%*
Network:
$50
Out-of-Network:
25%*
$37 $37
Emergency room visit Network:
$139
Out-of-Network:
25%*
Network:
$100
Out-of-Network:
25%*
$75 $75
Urgent care center visit Network:
$36
Out-of-Network:
25%*
Network:
$50
Out-of-Network:
25%*
$37 $37
Ambulatory surgery Network:
20%*
Out-of-Network:
25%*
Network:
$119
Out-of-Network:
25%*
$75 $75
Ambulance, outpatient ground Network:
$106
Out-of-Network:
25%*
Network:
$75
Out-of-Network:
25%*
$50 $50
Ambulance, outpatient air Network and
Out-of-Network:
25%*
Network and
Out-of-Network:
25%*
$20 $20
Durable medical equipment Network:
20%*
Out-of-Network:
25%*
Network:
20%*
Out-of-Network:
25%*
20% 20%
Inpatient admission Network $250/day up to 25% of hospital charges, plus 20% of separately billed services $219
per admission
$188
per admission
$188
per admission
Out-of-Network ǂ$1,112/day up to 25% of hospital charges, plus 25% of separately billed services 25%* $188
per admission
$188
per admission
Inpatient skilled nursing facility/rehab facility Network:
$250/day up to 25% of hospital charges, plus 20% of separately billed services;
Out-of-Network:
25%*
Network:
$62 per day
Out-of-Network: $377 per day or 20%* (whichever is less)
$37
per day
$37
per day
 
*Percentage of TRICARE maximum-allowable charge after annual deductible is met.
 ǂ This is the calendar year 2023 rate. The calendar year 2024 out of pocket expense will be available mid-December once the diagnosis-related group reimbursement payment rates are calculated.

Note: The calendar year catastrophic cap for TRICARE Select Group A retirees who are survivors of active duty deceased sponsors or medically retired Uniformed Service members and their dependents is $3,000.

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. Table 6 shows quarterly premiums for the Continued Health Care Benefit Program. Changes from 2023 costs are in bold.

Table 5: Calendar Year 2024 TRICARE Premium-Based Health Plans Monthly Premiums

Premium-based health plan Member Only Member and Family
TRICARE Reserve Select $51.95 $256.87
TRICARE Retired Reserve $585.24 $1,406.22
TRICARE Young Adult Prime $637.00 Not applicable
TRICARE Young Adult Select $311.00 Not applicable
  

Table 6: Calendar Year 2024 TRICARE Premium-Based Health Plans Quarterly Premiums

Premium-based health plan Single Family
Continued Health Care Benefit Program $1,813.00 $4,539.00
 
Want to review your costs for the current year? Go to 2023 costs or the TRICARE Compare Costs tool. You can also go to Cost Terms to learn more about TRICARE out-of-pocket costs.

Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.

 
Service member gets flu shot from other service member.

Protect Your Family With Flu, COVID-19, and RSV ...

News
Nov. 02, 2023

Are you preparing to spend time with friends and family this holiday season? Now is a good time to make sure...
Read More
TRICARE liaison stands in front of American flag.

Patient Advocates and Beneficiary Counseling and...

News
Oct. 24, 2023

You probably received medical care in a military hospital or clinic before. But did you know these facilities...
Read More
TRICARE Open Season Webinar Oct. 26, 1-2pm ET

Choosing Between TRICARE Prime and TRICARE Select

News
Oct. 12, 2023

Want to learn more about choosing between TRICARE Prime and TRICARE Select during TRICARE Open Season? Then...
Read More
The Brandon Act graphic

U.S. Military Departments Implement Brandon Act ...

News
Oct. 02, 2023

The three military departments have officially implemented phase one of the Brandon Act with their own...
Read More
A dentist checks a woman's mouth

TRICARE Dental Program Is Your Ally in the Fight...

News
Sep. 26, 2023

According to the National Institutes of Health, health care providers diagnose about 54,000 new cases of oral...
Read More
A U.S. Navy hospital corpsman draws a COVID-19 vaccine from a vial.

Get Your Updated COVID-19 Vaccine With TRICARE

News
Sep. 21, 2023

Updated COVID-19 vaccines are now available for people ages 6 months and older. Here’s how to get the updated...
Read More
Dentist performs dental exam

TRICARE Q&A: Getting Care With Active Duty Denta...

News
Sep. 20, 2023

Most active duty service members (ADSMs) get dental care at military dental clinics, also known as military...
Read More
Man and woman use a camera outdoors

Q&A: TRICARE For Life and Your Family

News
Sep. 14, 2023

Learn how your family’s TRICARE coverage works when one family member becomes eligible for Medicare and...
Read More

Nov. 7, 2023

Know Your 2024 TRICARE Health Plan Costs

With a new year fast approaching, you may see changes to your TRICARE health plan costs starting on Jan. 1, 2024. These costs may include enrollment fees, premiums, cost-shares, and copayments.

Nov. 2, 2023

Protect Your Family With Flu, COVID-19, and RSV Vaccines

Are you preparing to spend time with friends and family this holiday season? Now is a good time to make sure you and your loved ones are up to date with COVID-19, flu, and RSV vaccines. TRICARE covers these vaccines based on Centers for Disease Control and Prevention (CDC) recommendations.

Oct. 24, 2023

Patient Advocates and Beneficiary Counseling and Assistance Coordinators Help You Understand Your Health Care Benefit

You probably received medical care in a military hospital or clinic before. But did you know these facilities come with a support staff of people who can help you navigate the health care process? These include patient advocates and Beneficiary Counseling and Assistance Coordinators (BCACs). You can find them at most military hospitals and clinics around the world.

Oct. 12, 2023

Choosing Between TRICARE Prime and TRICARE Select

Want to learn more about choosing between TRICARE Prime and TRICARE Select during TRICARE Open Season? Then join us for “Choosing Between Prime and TRICARE Select” webinar on Oct. 26 at 1 p.m. ET to learn more about this year’s open season.

Oct. 2, 2023

U.S. Military Departments Implement Brandon Act to Improve Mental Health Support

The three military departments have officially implemented phase one of the Brandon Act with their own policies and procedures to initiate support to service members’ request for mental health assistance. The Brandon Act was signed into law by President Biden on Dec. 27, 2021, as part of the National Defense Authorization Act for Fiscal Year 2022. The former Under Secretary of Defense for Personnel and Readiness, Gilbert R. Cisneros Jr., signed a policy on May 5, 2023, to initiate the act within the Department of Defense.

Sept. 26, 2023

TRICARE Dental Program Is Your Ally in the Fight Against Oral Cancer

According to the National Institutes of Health, health care providers diagnose about 54,000 new cases of oral cancer per year in the United States. As with all types of cancer, education and early detection are critical. Learn how to spot the warning signs of oral cancer before the disease can spread.

Sept. 21, 2023

Get Your Updated COVID-19 Vaccine With TRICARE

Updated COVID-19 vaccines are now available for people ages 6 months and older. Here’s how to get the updated vaccine at no cost.

Sept. 20, 2023

TRICARE Q&A: Getting Care With Active Duty Dental Program

Most active duty service members (ADSMs) get dental care at military dental clinics, also known as military dental treatment facilities (DTFs). However, some care can’t be completed at a DTF. In these cases, you get care from civilian dentists through the Active Duty Dental Program (ADDP).

Sept. 14, 2023

Q&A: TRICARE For Life and Your Family

Learn how your family’s TRICARE coverage works when one family member becomes eligible for Medicare and TRICARE For Life.

Sept. 6, 2023

TRICARE Tips to Protect Your Teeth in a Dental Emergency

Dental emergencies can happen anywhere, at any time. Fortunately, the TRICARE Dental Program covers emergency dental care. You’ll pay no cost-share for emergency dental services regardless of your pay grade or location. But there are still steps you may need to take to ensure your teeth and gums stay protected in an emergency.