Most Are Going Up Between 3% and 4%

Most Tricare health plan costs for military and retiree households will go up between 3% and 4% in 2027, with some steeper increases of 9% to 12% in the monthly premiums of Tricare’s premium-based health plans.

The Military Health System announced new rates Nov. 5. Many Tricare Prime and Tricare Select users will see increases in their annual enrollment fees and deductibles, with additional rises in copayments for medical services. Some of the biggest increases in 2027 will be to the monthly premiums for Tricare Retired Reserve and, as in 2025 and 2026, Tricare Young Adult members.

Read Next: Everything You Need to Know About Tricare Open Enrollment

Tricare open enrollment season, when members may change their health insurance coverage for the upcoming year, runs from Nov. 9 to Dec. 8.

The current costs for the Tricare Dental Program will last through February 2026. Tricare announced that its pharmacy costs will stay the same from 2026 to 2027.

Tricare Groups

Costs depend on which Tricare “group” members belong to, determined by the date the service member first entered the military. Group A consists of those who entered service before Jan. 1, 2018, while Group B includes those who entered after that date.

Enrollment Fees

Active-duty families pay no annual enrollment fees for either Tricare Prime or Tricare Select. Retirees do, however, and those fees will go up in the coming year.

Group A retirees enrolled in Tricare Select will see their annual enrollment fee increase from $375 to $389 for a family and from $186.96 to $193.92 for an individual. Group A retirees using Tricare Prime will see the enrollment fee for a family plan increase from $765 to $793, while an individual’s costs will go from $381.96 to $396 annually.

Retirees in Tricare Group B will see similar increases. The annual enrollment fee for the Prime family plan will rise from $927 to $960, while the individual plan will go from $462.96 to $480. Enrollment fees for Tricare Select will increase from $1,191 to $1,233.96 for a family and from $594.96 to $616.92 for an individual.

Deductibles

Annual deductibles — the amount those using Tricare Select must pay out of pocket before Tricare makes any payments — will also increase in 2027. Members using Tricare Prime don’t pay deductibles.

Group A active-duty family members and retirees will see no changes to the deductible amount.

But a military member with the rank of E-4 or below in Group B will see their family deductible increase from $132 to $137, while families with sponsors E-5 and above in Group B will see their deductible rise from $397 to $411.

Individual military members in Group B will also see their deductibles rise in 2027, from $66 to $68 for E-4 and below, and from $198 to $205 for E-5 and above.

Copayments

Many copayments will also go up in the upcoming year. The cost of a primary care visit for active-duty Tricare Select users with a family in Group A will go from $28 to $30 in 2027, while the primary care copay for Group B family members will go from $19 to $20.

Retirees using Tricare Select will see a primary care visit go from $38 to $40 in Group A and from $33 to $34 in Group B. Those using Tricare Prime will pay $27 for a primary care visit, up from $26.

Premiums

The monthly premiums for Tricare’s premium-based plans have the steepest increases in 2027.

For reservists, the premiums for Tricare Reserve Select will go from $57.88 per month to $60.54 per month for an individual member and from $286.66 to $307.48 for a family, increases of 4.6% and 7.3% respectively.

Tricare Retired Reserve premiums will increase from $645.90 to $707.59 for an individual and from $1,548.30 to $1,697.7 for a family, increases of 9.6%.

Premiums for the Tricare Young Adult Program for members’ dependents ages 21 to 26 will go from $794 a month to $893 for Prime coverage, a 12.5% increase following a 9.2% increase in 2026; and from $363 to $394 for Select, up 8.5%.

Catastrophic Cap

The catastrophic cap is Tricare beneficiaries’ maximum out-of-pocket cost for all health care provided each year. It limits beneficiaries’ liability in the case of a serious illness or injury. Once a beneficiary has hit the cap through copayments or pharmacy charges during the year, Tricare will pay the rest in full.

Group A retirees using Tricare Select will see this cap increase in 2027 from $4,381 to $4,538; and for retirees in Group B, it will go up from $4,635 to $4,802.

While the cap for active-duty family members in Group A who have either Tricare Select or Tricare Prime will remain the same at $1,000 annually, those in Group B will see it increase from $1,324 to $1,372.

Related: Tricare Prime vs. Select: How to Choose Before Dec. 8

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