TRICARE Reserve Select Eligibility & Requirements (2026) | TRICARE.com

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy and enrollment, visit TRICARE.mil.*

## Quick answer TRICARE Reserve Select (TRS) is a premium-based health plan available to qualified members of the Selected Reserve of the Ready Reserve and their families. To be eligible, you must not be on active duty orders and cannot be eligible for the Federal Employees Health Benefits (FEHB) program.

## Details TRICARE Reserve Select functions much like TRICARE Select, offering a provider network and the ability to see non-network providers (at a higher cost). However, unlike active duty plans, TRS requires a monthly premium payment.

### The Eligibility Requirements To qualify for TRS, the service member must meet two primary criteria: 1. **Member of the Selected Reserve:** You must be in the Selected Reserve of the Ready Reserve (includes National Guard and Reserve members). 2. **No FEHB Eligibility:** Under current law, if you are eligible for the Federal Employees Health Benefits (FEHB) program in your own right (through federal civilian employment), you are **excluded** from TRS. *Note: Legislation is in place to lift this FEHB restriction effective January 1, 2030.*

### Enrollment and Cost (2026 Rates) Eligibility does not mean automatic enrollment. You must proactively enroll via the Beneficiary Web Enrollment (BWE) portal and pay your first month's premium upfront.

For the **2026 plan year**, the monthly premiums are: * **Member Only:** Varies by plan year — check TRICARE.mil for current rates. * **Member and Family:** Varies by plan year — check TRICARE.mil for current rates.

*(Editor's Note: TRICARE typically releases exact premium adjustments for the following year in late Q3. Always verify specific dollar amounts for the current month on the official TRICARE site.)*

### Changes in Status * **Activation:** If you are called to active duty for more than 30 consecutive days, your TRS coverage ends, and you transition to active duty TRICARE benefits (Prime or Select) at no cost. * **Deactivation:** When leaving active duty, you may be eligible for the Transitional Assistance Management Program (TAMP) for 180 days before needing to re-enroll in TRS. * **Retirement:** Once you retire, you are no longer eligible for TRS. You may become eligible for TRICARE Retired Reserve (TRR) until you reach age 60.

## Who this affects * **Selected Reserve members:** Army Reserve, Navy Reserve, Marine Corps Reserve, Air Force Reserve, and Coast Guard Reserve. * **National Guard members:** Army National Guard and Air National Guard. * **Family members:** Spouses and unmarried children of qualified Selected Reserve members. * **Survivors:** Surving family members of a sponsor who was covered by TRS at the time of death may remain eligible for a limited window.

## Sources * **TRICARE.mil:** TRICARE Reserve Select Overview (https://www.tricare.mil/trs) * **Defense Health Agency (DHA):** TRICARE Plans and Eligibility (https://health.mil) * **TriWest Healthcare Alliance:** West Region Provider & Member Portal (https://www.triwest.com) * **Humana Military:** East Region Benefits (https://www.humanamilitary.com)