TRICARE Select Cost Shares & Deductibles (2026) | TRICARE.com

## Quick answer TRICARE Select is a preferred provider organization (PPO) plan where you pay for care through annual deductibles and percentage-based cost shares (e.g., 20% of the allowed rate) or fixed copayments. Your exact costs depend on your sponsor’s "Group" status (based on enlistment date) and whether you are an active duty family member or a retiree.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program or a government entity. For official policy and the most current enrollment figures, visit TRICARE.mil.*

Details

TRICARE Select costs are split into three main categories: annual enrollment fees (for some), annual deductibles, and cost shares for individual services.

Under the current **2026 plan year**, costs are heavily influenced by whether the sponsor is **Group A** (enlisted/commissioned before Jan. 1, 2018) or **Group B** (enlisted/commissioned on or after Jan. 1, 2018).

### 1. Annual Enrollment Fees * **Active Duty Family Members (ADFM):** No enrollment fee. * **Retirees (Group A):** Varies by plan year — check TRICARE.mil for current rates. * **Retirees (Group B):** Varies by plan year — check TRICARE.mil for current rates.

### 2. Annual Deductibles You must pay your deductible out-of-pocket before TRICARE begins to pay for covered services. * **ADFM (E-4 and below):** $50 Individual / $100 Family (2026 rates). * **ADFM (E-5 and above):** $150 Individual / $300 Family (2026 rates). * **Retirees (Group A):** $150 Individual / $300 Family (2026 rates). * **Group B (All):** Varies by plan year — check TRICARE.mil for current rates.

### 3. Common Cost Shares (Network Providers) Once the deductible is met, you pay a fixed copay or a percentage of the negotiated rate. Using **out-of-network** providers will significantly increase these costs (often a 25% cost share plus the difference between the billed amount and the TRICARE allowable charge).

| Service Type | ADFM (Group A) | Retirees (Group A) | | :--- | :--- | :--- | | **Primary Care** | $27 copay | $37 copay | | **Specialty Care** | $37 copay | $50 copay | | **Emergency Room** | $92 copay | $136 copay | | **Urgent Care** | $32 copay | $43 copay | | **Inpatient Admission** | $23.35/day (min $25) | 20% of negotiated rate |

*Note: 2026 rates shown. Group B beneficiaries typically pay slightly different fixed copayments for these services.*

### 4. Catastrophic Cap The Catastrophic Cap is the maximum amount you will pay out-of-pocket each calendar year for all covered TRICARE services. * **ADFM:** $1,000 to $1,288+ depending on Group and rank. * **Retirees:** Costs vary significantly by plan year — check TRICARE.mil for current rates.

## Who this affects * **Active Duty Family Members (ADFMs):** Spouses and children of service members who choose PPO flexibility over TRICARE Prime. * **Retirees and their Families:** Those who have transitioned out of active service but are not yet Medicare-eligible. * **National Guard and Reserve:** Members on active duty orders for more than 30 days. * **Survivors:** Eligible family members of deceased service members.

## Sources * **TRICARE.mil (Costs & Fees):** https://tricare.mil/Costs * **Humana Military (East Region):** https://www.humanamilitary.com/ * **TriWest Healthcare Alliance (West Region):** https://www.triwest.com/ * **Defense Health Agency (DHA):** https://health.mil/