An official website of the United States government
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.

The most recent appropriations for the Department of War expired at 11:59 p.m. EST on September 30, 2025. Military personnel will continue in a normal duty status without pay until such time as a continuing resolution or appropriations are passed by Congress and signed into law. Civilian personnel not engaged in excepted activities will be placed in a non-work, non-pay status.
To learn how the lapse in appropriations affects your TRICARE benefit, visit 
tricare.mil/shutdown.

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 All 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$1,221/day or 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 All final claims reimbursed 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.

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.
 
Picture of a doctor using a stethoscope on a patient's chest; "Patients needed on Oct. 17 for a focus group discussion about chronic obstructive pulmonary disease, or COPD."

Share your experiences with COPD care and treatm...

News
Sep. 30, 2025

Have you been diagnosed with chronic obstructive pulmonary disease, or COPD? Your feedback could play a key...
Read More
Service member presses down on another service member's arm while lying on a medical table.

National Guard or Reserve? Learn What To Do if Y...

News
Sep. 25, 2025

Are you a member of the National Guard or Reserve? If so, it’s important to know how TRICARE covers you if you...
Read More
DHA logo and Unlock Your Health logo; Medical professional in scrubs shows man in wheelchair papers on a clipboard.

Learn How TRICARE Can Help You Manage Chronic He...

News
Sep. 23, 2025

Living with a chronic health condition can feel hard. But you don’t have to do it alone. TRICARE offers...
Read More
Woman in a dentist's chair holds a mirror and looks at her teeth.

What To Do in a Dental Emergency

News
Sep. 19, 2025

Dental emergencies can happen anywhere, at any time. Whether you crack a tooth or have severe mouth pain,...
Read More
Young boy smiles and hugs mother

Unlock Your Health: How TRICARE Can Support Your...

News
Sep. 18, 2025

Childhood and teen years can be full of ups and downs. It’s normal for kids to be sad or irritable or to have...
Read More
Dental care provider wearing gloves performs dental procedure on patient in dental chair.

Opioids, Pain Management, and Your Oral Health

News
Sep. 17, 2025

If you’ve had certain dental procedures, like wisdom teeth removal, a root canal, or oral surgery, some...
Read More
Woman wearing dental bib opens her mouth as a dentist uses dental equipment.

The Power of Prevention: Using the TRICARE Denta...

News
Sep. 16, 2025

When it comes to your oral health, a little prevention goes a long way. That’s why the TRICARE Dental Program...
Read More
Unlock Your Health graphic, DHA logo, elderly woman and medical care worker sit together on a couch

Unlock Your Health With TRICARE Home Health Care...

News
Sep. 16, 2025

Is leaving home for care a challenge? TRICARE covers solutions that make it easier to get the care—and...
Read More

Sept. 30, 2025

Share your experiences with COPD care and treatment at Oct. 17 Clinical Practice Guideline patient focus group

Have you been diagnosed with chronic obstructive pulmonary disease, or COPD? Your feedback could play a key role in developing and updating clinical practice guidelines across the military and veteran health care systems.

Sept. 25, 2025

National Guard or Reserve? Learn What To Do if You Need Line of Duty Care

Are you a member of the National Guard or Reserve? If so, it’s important to know how TRICARE covers you if you become sick or are injured while activated for 30 days or less. This article explores how, where, and under what circumstances National Guard and Reserve members can get line of duty care.

Sept. 23, 2025

Learn How TRICARE Can Help You Manage Chronic Health Conditions

Living with a chronic health condition can feel hard. But you don’t have to do it alone. TRICARE offers programs and coverage to help you live better with chronic conditions like asthma, diabetes, heart disease, anxiety, and depression.

Sept. 19, 2025

What To Do in a Dental Emergency

Dental emergencies can happen anywhere, at any time. Whether you crack a tooth or have severe mouth pain, knowing what to do can save your smile and reduce damage.

Sept. 18, 2025

Unlock Your Health: How TRICARE Can Support Your Child’s Mental Health

Childhood and teen years can be full of ups and downs. It’s normal for kids to be sad or irritable or to have trouble paying attention or interacting with others at times. But sometimes, these feelings and behaviors are signs that your child could need mental health care. Learn how TRICARE can support your child’s mental health and find tips and resources for supporting your child’s well-being.

Sept. 17, 2025

Opioids, Pain Management, and Your Oral Health

If you’ve had certain dental procedures, like wisdom teeth removal, a root canal, or oral surgery, some dentists may prescribe an opioid painkiller to help manage your pain. While your comfort is a priority, it’s important to also understand any potential negative side effects posed by opioids and the importance of using opioids responsibly.

Sept. 16, 2025

The Power of Prevention: Using the TRICARE Dental Program Benefit To Save You Money

When it comes to your oral health, a little prevention goes a long way. That’s why the TRICARE Dental Program covers two routine dental cleanings and examinations each year.

Sept. 16, 2025

Unlock Your Health With TRICARE Home Health Care and Pharmacy Home Delivery

Is leaving home for care a challenge? TRICARE covers solutions that make it easier to get the care—and drugs—you may need. Your TRICARE plan may cover certain in-home health services and pharmacy home delivery options. This gives you flexibility and convenience in your care.

Sept. 10, 2025

Explore Available Counseling and Mental Health Services

Are you a service member, family member, or survivor? Your TRICARE benefit covers a variety of mental health services. But did you know there are other counseling services available to you? This article explores what services you can access if you need support.

Sept. 9, 2025

Live in the West Region? Learn if You Need To Take Action on Your Referrals Before Oct. 1

Are you a TRICARE Prime beneficiary living in the West Region? Are you currently using a referral to get specialty care? If you used the West Region referral approval waiver to see a specialist between Jan. 1 and June 30, 2025 and need to continue seeing that specialist, you’ll need to get a new referral to a network specialist before Oct. 1, 2025. If you’re still using a valid referral issued by a previous contractor before Jan. 1, 2025, you also need to get a new referral for any care received starting Oct. 1.