Last Updated: November 7, 2026 Reading Time: 7 min
TRICARE 2027 costs are now posted on tricare.mil, two days before open season opens on November 9. Retiree enrollment fees rise about 3.7%, TRICARE Young Adult Prime jumps 12.5% to $893 a month, and pharmacy copays stay at 2026 rates. Here is every 2027 fee, deductible, cap and premium next to its 2026 figure.
Which TRICARE 2027 Costs Apply to You: Group A or Group B
Your costs depend on your beneficiary category and your group. Both are set by when the sponsor first joined.
- Group A: the sponsor's initial enlistment or appointment began before January 1, 2018.
- Group B: it began on or after January 1, 2018.
The premium plans (TRICARE Reserve Select, TRICARE Retired Reserve and TRICARE Young Adult) follow Group B cost rules for deductibles and copays, whatever the sponsor's group. Only their premiums are set separately.
TRICARE 2027 Enrollment Fees for Retirees
These are annual fees for retirees, their families, survivors and others.
| Plan | 2026 | 2027 | Change |
|---|---|---|---|
| Prime, Group A, individual | $381.96 | $396.00 | +$14.04 (+3.7%) |
| Prime, Group A, family | $765.00 | $792.96 | +$27.96 (+3.7%) |
| Select, Group A, individual | $186.96 | $193.92 | +$6.96 (+3.7%) |
| Select, Group A, family | $375.00 | $388.92 | +$13.92 (+3.7%) |
| Prime, Group B, individual | $462.96 | $480.00 | +$17.04 (+3.7%) |
| Prime, Group B, family | $927.00 | $960.00 | +$33.00 (+3.6%) |
| Select, Group B, individual | $594.96 | $616.92 | +$21.96 (+3.7%) |
| Select, Group B, family | $1,191.00 | $1,233.96 | +$42.96 (+3.6%) |
Sources: tricare.mil Health Plan Costs (calendar year 2027), TRICARE Newsroom 2026 cost tables. Percent change computed by FedTools from the unrounded fees.
The TRICARE page lists two exceptions:
- The Prime Group A fee is waived if you are under 65 and have Medicare Part A and Part B.
- Select Group A is $0 for medically retired sponsors, their families and survivors.
The Group B premium over Group A is now $84 a year for an individual on Prime and $423 a year on Select. A Group B retiree family on Select pays $845.04 more than a Group A family for the same plan.
Retiree Deductibles and Catastrophic Caps for 2027
Prime has no deductible. Select does, and the Group B deductible rises again.
| Item | 2026 | 2027 |
|---|---|---|
| Select Group A deductible | $150 individual / $300 family | $150 / $300 (no change) |
| Select Group B deductible, network | $198 / $397 | $205 / $411 |
| Select Group B deductible, non-network | $397 / $794 | $411 / $823 |
| Catastrophic cap, Prime Group A | $3,000 | $3,000 (no change) |
| Catastrophic cap, Select Group A | $4,381 | $4,538 |
| Catastrophic cap, Group B (Prime and Select) | $4,635 | $4,802 |
The catastrophic cap is the yearly limit on what a family pays out of pocket for covered services. Select Group A keeps a $3,000 cap for medically retired sponsors, their families and survivors.
Retiree Copays: The Visits You Pay For
Most network copays rise by a dollar to five dollars. The table covers the visits retirees use most.
| Network visit | Prime (A and B) | Select Group A | Select Group B |
|---|---|---|---|
| Primary care | $26 → $27 | $38 → $40 | $33 → $34 |
| Specialty care | $39 → $41 | $52 → $52 | $52 → $54 |
| Urgent care | $39 → $41 | $38 → $40 | $52 → $54 |
| Emergency room | $79 → $82 | $138 → $143 | $105 → $109 |
Prime inpatient admissions go from $198 to $205 per admission. Select Group B inpatient admissions go from $231 to $240. Preventive care stays $0 in every plan.
Active Duty Family Members: Group A Unchanged
Active duty service members pay nothing. Family members on Prime still pay $0 in enrollment fees and deductibles.
On Select, Group A family members see no change for 2027: a $50 / $100 deductible for sponsors in E-1 to E-4, $150 / $300 for E-5 and above, and a $1,000 catastrophic cap.
Group B family members on Select pay a little more:
| Group B, Select | 2026 | 2027 |
|---|---|---|
| Deductible, E-1 to E-4 | $66 individual / $132 family | $68 / $137 |
| Deductible, E-5 and above | $198 / $397 | $205 / $411 |
| Catastrophic cap (Prime and Select) | $1,324 | $1,372 |
TRICARE Young Adult Premiums 2027: The Biggest Jump
The premium plans rose the most. These are monthly premiums.
| Premium plan | 2026 | 2027 | Change |
|---|---|---|---|
| TRICARE Young Adult-Prime | $794.00 | $893.00 | +$99.00 (+12.5%) |
| TRICARE Young Adult-Select | $363.00 | $394.00 | +$31.00 (+8.5%) |
| TRICARE Retired Reserve, member only | $645.90 | $707.59 | +$61.69 (+9.6%) |
| TRICARE Retired Reserve, member and family | $1,548.30 | $1,697.70 | +$149.40 (+9.6%) |
| TRICARE Reserve Select, member only | $57.88 | $60.54 | +$2.66 (+4.6%) |
| TRICARE Reserve Select, member and family | $286.66 | $307.48 | +$20.82 (+7.3%) |
Sources: tricare.mil Health Plan Costs (calendar year 2027), TRICARE Newsroom 2026 Table 5. Annual figures are the monthly premium x 12.
Over a full year, TRICARE Young Adult-Prime costs $10,716 in 2027 and Young Adult-Select costs $4,728. That gap is $5,988 a year for the same young adult.
TYA covers adult children who have aged out of regular TRICARE and are under 26. Deductibles and caps follow the sponsor's status:
- Active duty or Reserve Select sponsor: Young Adult-Select deductible is $68 for E-1 to E-4 and $205 for E-5 and above, with a $1,372 cap.
- Retired or Retired Reserve sponsor: Young Adult-Select deductible is $205 network and $411 non-network, with a $4,802 cap.
If your adult child is healthy and lives near network doctors, Select at $394 a month is the cheaper door. Prime makes sense mainly when the child needs regular specialty care and lives inside a Prime service area. Compare it against the child's own job-based plan, or a parent's FEHB Self and Family plan if you are also a federal employee.
TRICARE Retired Reserve covers gray-area reservists until 60. Our TRICARE Retired Reserve cost breakdown walks through the 2026 math against civilian plans; at $1,697.70 a month, family coverage now runs $20,372.40 for 2027.
What Is Not Going Up in 2027
Pharmacy copays are frozen. DHA's calendar year 2027 notice in the Federal Register (91 FR 59115, September 18, 2026) keeps 2026 rates: $16 generic, $48 brand-name and $85 non-formulary for a 30-day retail network fill, and $14, $44 and $85 for a 90-day mail-order fill.
Active duty family members in Group A also see no change in fees, deductibles or caps from 2026.
What to Do Before Open Season Closes December 8
Open season runs November 9 to December 8, 2026. It covers TRICARE Prime and TRICARE Select. Any change you make takes effect January 1, 2027.
- Find your group. Check your sponsor's first enlistment or appointment date against January 1, 2018.
- Add up a year. Take the 2027 enrollment fee, then add the copays for the visits you actually expect. Prime costs more up front; Select costs more per visit.
- Check the Young Adult choice separately. Open season covers Prime and Select only; it does not apply to TRICARE Young Adult, Reserve Select or Retired Reserve, which follow their own purchase rules. TYA-Prime costs $5,988 more a year than TYA-Select in 2027, so compare the two at the new prices.
- Read the switch rules. Our TRICARE Open Season 2027 guide covers the dates, the Prime-to-Select mechanics and what happens if you miss the window.
Compare TRICARE With FEHB
If you are a military retiree working for the federal government, you can carry TRICARE, FEHB or both. Use the free TRICARE vs FEHB Calculator to compare your 2027 TRICARE fee against an FEHB premium for your enrollment type.
Frequently Asked Questions
How much is TRICARE Prime for retirees in 2027?
TRICARE Prime costs $396 a year for an individual and $792.96 for a family in Group A. In Group B it costs $480 and $960. The Group A fee is waived if you are under 65 and have Medicare Part A and Part B.
How much is TRICARE Young Adult in 2027?
TRICARE Young Adult-Prime is $893 a month in 2027, up from $794. TRICARE Young Adult-Select is $394 a month, up from $363. That is $10,716 and $4,728 a year.
Did TRICARE pharmacy copays go up for 2027?
No. The 2027 program notice froze pharmacy copays at 2026 rates: $16 generic, $48 brand-name and $85 non-formulary for a 30-day retail network fill, and $14, $44 and $85 for 90-day mail order.
When can I change my TRICARE plan for 2027?
For TRICARE Prime and TRICARE Select, during open season, November 9 to December 8, 2026. Changes take effect January 1, 2027. Outside open season you need a qualifying life event. Open season does not apply to TRICARE Young Adult, Reserve Select or Retired Reserve.
How do I know if I am in TRICARE Group A or Group B?
It depends on the sponsor's first enlistment or appointment. Before January 1, 2018 is Group A. On or after that date is Group B.
Related Resources
- TRICARE Open Season 2027 Switch Guide: dates, deadlines and how to switch between Prime and Select
- TRICARE 2026 Costs for Retirees: last year's tables, with the 2026 pharmacy increases and TRICARE For Life Part B math
- TRICARE Retired Reserve Costs: what gray-area reservists pay versus civilian coverage
- TRICARE vs FEHB Calculator: compare TRICARE and FEHB for your household
Sources
- TRICARE, Health Plan Costs (calendar year 2027): tricare.mil
- TRICARE Newsroom, "Learn your 2026 TRICARE health plan costs" (November 7, 2025): newsroom.tricare.mil
- TRICARE Newsroom, "TRICARE Open Season begins Monday, Nov. 9" (October 20, 2026): newsroom.tricare.mil
- Defense Health Agency, TRICARE calendar year 2027 program changes, 91 FR 59115 (September 18, 2026)