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.
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Group A 2026 Annual Deductible for Active Duty Family Members |
Group B 2026 Annual Deductible for Active Duty Family Members |
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TRICARE Prime |
Individual and family: $0 Note: A $300 deductible ($600 family deductible) applies if you use the point-of-service option. |
Individual and family: $0 Note: A $300 deductible ($600 family 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: $66 for individual $132 for family E5 and above: $198 for individual $397 for family |
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Group A 2026 Annual Deductible for Retirees and their Family Members |
2026 Annual Deductible for Retirees and their Family Members |
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| TRICARE Prime US Family Health Plan TRICARE Prime Demo |
Individual and family: $0 Note: A $300 deductible ($600 family deductible) applies if you use the point-of-service option. |
Individual and family: $0 Note: A $300 deductible ($600 family deductible) applies if you use the point-of-service option. |
| TRICARE Select TRICARE Select Overseas |
$150 for individual $300 for family |
Network: $198 for individual $397 for family Non-network: $397 for individual $794 for family |
| TRICARE For Life | $150 for individual $300 for family |
$150 for individual $300 for family |
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2026 Annual Deductible for Premium-based Plans |
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| TRICARE Reserve Select | E1-E4: $66 for individual $132 for family E5 and above: $198 for individual $397 for family |
| Network: $198 for individual $397 for family Non-network: $397 for individual $794 for family |
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| TRICARE Young Adult - Select Option |
Active duty sponsor: Network: $198 for individual Non-network: $397 for individual |
| TRICARE Young Adult - Prime Option |
$0 for individual Note: A $300 deductible ($600 family deductible) applies if you use the point-of-service option. |
To see other costs, visit Health Plan Costs.
Last Updated 12/30/2025