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 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.
 
Couple holding hands walks along a path in nature

Understand How TRICARE Covers Infertility Diagno...

News
Jun. 11, 2024

Do you think you or your partner may be dealing with infertility? Learn about how TRICARE covers certain...
Read More
Elderly couple sits on couch and looks at a tablet device together.

Get Prescriptions at Home With TRICARE For Life

News
Jun. 04, 2024

Do you often make trips to the pharmacy to pick up your prescriptions? If you have TRICARE For Life, you can...
Read More
Two young women sit on a bench smiling and looking at a smartphone.

Recent Graduate? Learn How TRICARE Covers Young ...

News
May. 28, 2024

Did your child recently graduate high school or college? Congratulations! While you help them get ready for...
Read More
Four multicolor, two-story houses with a white car driving in front of them.

Q&A: Moving and Your TRICARE Coverage

News
May. 24, 2024

As summer approaches and permanent change of station season kicks into high gear, you may be preparing to move...
Read More
Uniformed service member smiles and holds clipboard in front of door that says "Mental Health."

Mental Health Is Health: How To Get Mental Healt...

News
May. 21, 2024

Staying healthy is more than just taking care of your body. If you’re experiencing symptoms of a mental health...
Read More
Male service member in uniform smiles next woman smiling and holding baby in her arms.

Q&A: What To Know as New TRICARE Contracts Begin...

News
May. 15, 2024

New TRICARE managed care support contracts, known as T-5, will start on Jan. 1, 2025. The new contracts will...
Read More
Clip art of clipboard with checklist. Text reads, "TRICARE Webinar: TRICARE Options in Retirement. May 23, 2024, 4 to 5 p.m. ET"

Retiring? Get Answers to Your TRICARE Questions ...

News
May. 08, 2024

Are you or your sponsor approaching retirement from active duty or the National Guard or Reserve? On Thursday,...
Read More
A surgical team wearing masks uses equipment in an operating room.

9 Military Hospitals Receive Highest Leapfrog Gr...

News
May. 03, 2024

The Defense Health Agency announced May 1, 2024, that nine military hospitals received an “A” Leapfrog...
Read More

June 11, 2024

Understand How TRICARE Covers Infertility Diagnosis and Treatment

Do you think you or your partner may be dealing with infertility? Learn about how TRICARE covers certain diagnosis and treatment options.

June 4, 2024

Get Prescriptions at Home With TRICARE For Life

Do you often make trips to the pharmacy to pick up your prescriptions? If you have TRICARE For Life, you can switch to TRICARE Pharmacy Home Delivery to get your medications delivered right to your home.

May 28, 2024

Recent Graduate? Learn How TRICARE Covers Young Adults

Did your child recently graduate high school or college? Congratulations! While you help them get ready for their next steps, here's some information about how their health coverage options may change.

May 24, 2024

Q&A: Moving and Your TRICARE Coverage

As summer approaches and permanent change of station season kicks into high gear, you may be preparing to move to a new duty location. Amid all the packing and planning, it’s important to make sure your TRICARE coverage is ready to move with you.  

May 21, 2024

Mental Health Is Health: How To Get Mental Health Care With TRICARE

Staying healthy is more than just taking care of your body. If you’re experiencing symptoms of a mental health concern, TRICARE covers services so you can get the care you need. Using these covered services can help put you on a path to mental and physical wellness.

May 15, 2024

Q&A: What To Know as New TRICARE Contracts Begin in 2025

New TRICARE managed care support contracts, known as T-5, will start on Jan. 1, 2025. The new contracts will improve health care delivery, quality, and access for beneficiaries living in the United States.

May 8, 2024

Retiring? Get Answers to Your TRICARE Questions at May 23 Webinar

Are you or your sponsor approaching retirement from active duty or the National Guard or Reserve? On Thursday, May 23, from 4 to 5 p.m. ET, join TRICARE for a webinar about the TRICARE plans available to you in retirement.

May 3, 2024

9 Military Hospitals Receive Highest Leapfrog Grade for Safe, High-Quality Care

The Defense Health Agency announced May 1, 2024, that nine military hospitals received an “A” Leapfrog Hospital Safety Grade, demonstrating DHA’s commitment to safe, high-quality health care, and transparency.

May 2, 2024

TRICARE and Marriage: What You Need To Know

Getting married is an exciting time in your life. If you’re a new military spouse, there are certain things you need to do to enroll in a TRICARE health plan.

May 1, 2024

Age 45 or Older? Screen for Colorectal Cancer With TRICARE

Colorectal cancer is on the rise in people under 50 in the United States. Recent guidelines state that anyone at average risk for colorectal cancer should start getting screenings at age 45. Getting screened is easy, and TRICARE covers several options for colorectal cancer exams.