What is the TRICARE deductible?
An annual deductible applies to the TRICARE plans below. The amount you pay depends on your sponsor's status, rank, and your beneficiary group. If you're in a plan with a deductible, you must pay your annual deductible before TRICARE begins to pay for your health care services and your prescription drugs. Active duty service members don’t have an annual deductible. See the table below to find the deductible for your plan.
| 2024 Annual Deductible for Active Duty Family Members | 2025 Annual Deductible for Active Duty Family Members | |||
| Group AIf you or your sponsor’s initial enlistment or appointment occurred before January 1, 2018, you are in Group A. | Group BIf you or your sponsor’s initial enlistment or appointment occurs on or after January 1, 2018, are in Group B. DS | Group A | Group B | |
| TRICARE Prime TRICARE Prime Overseas TRICARE Prime Remote TRICARE Prime Remote Overseas US Family Health Plan |
Individual and family: $0 Note: A deductible applies if you use the point-of-service option. |
Individual and family: $0 Note: A deductible applies if you use the point-of-service option. |
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TRICARE Select |
E1-E4: $50 for individual $100 for family E5 and above: $150 for individual $300 for family |
E1-E4: $62 for individual $125 for family E5 and above: $188 for individual $377 for family |
E1-E4: $50 for individual $100 for family E5 and above: $150 for individual $300 for family |
E1-E4: $64 for individual $128 for family E5 and above: $193 for individual $386 for family |
| 2024 Annual Deductible for Retirees and their Family Members | 2025 Annual Deductible for Retirees and their Family Members | |||
| Group A | Group B | Group A | Group B | |
| TRICARE Prime US Family Health Plan |
Individual and family: $0 Note: A deductible applies if you use the point-of-service option. |
Individual and family: $0 Note: A deductible applies if you use the point-of-service option. |
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| TRICARE Select TRICARE Select Overseas |
$150 for individual $300 for family |
Network: $188 for individual $377 for family Non-network: $377 for individual $754 for family |
$150 for individual $300 for family |
Network: $193 for individual $386 for family Non-network: $386 for individual $772 for family |
| TRICARE For Life | $150 for individual $300 for family |
$150 for individual $300 for family |
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| 2024 Annual Deductible for Premium-based Plans | 2025 Annual Deductible for Premium-based Plans | |
| TRICARE Reserve Select | E1-E4: $62 for individual $125 for family E5 and above: $188 for individual $377 for family |
E1-E4: $64 for individual $128 for family E5 and above: $193 for individual $386 for family |
| Network: $188 for individual $377 for family Non-network: $377 for individual $754 for family |
Network: $193 for individual $386 for family Non-network: $386 for individual $772 for family |
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| TRICARE Young Adult - Select Option | Active duty sponsor: E1-E4: $62 for individual E5 and above: $188 for individual Retired sponsor: Network: $188 for individual Non-network: $377 for individual |
Active duty sponsor: E1-E4: $64 for individual E5 and above: $193 for individual Retired sponsor: Network: $193 for individual Non-network: $386 for individual |
| TRICARE Young Adult - Prime Option |
$0 for individual Note: A deductible applies if you use the point-of-service option. |
$0 for individual Note: A deductible applies if you use the point-of-service option. |
To see other costs, use the TRICARE Compare Cost Tool.
Last Updated 11/6/2024