Braxton Taylor
Military and retiree households will pay more for Tricare in 2025, with most increases in the 2% to 3% range.
Costs went up by a similar amount in 2024.
The Military Health System announced the new rates Thursday. Many Tricare Prime and Tricare Select users will see increases in their annual enrollment fees and deductibles, with smaller rises in copayments for medical services. Some of the biggest increases in 2025 will be to the monthly premiums for Tricare Retired Reserve and Tricare Young Adult members.
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Tricare open enrollment season, which allows members to change their health insurance coverage for the upcoming year, runs from Nov. 11 to Dec. 10.
Because of changes to Tricare’s contract with its dental program carrier, the costs for the Tricare Dental Program already changed Nov. 1, and those rates will last through February 2025. The current costs for the Tricare Pharmacy Program will go through the end of 2025, according to the announcement.
Tricare Groups
Costs depend on which Tricare “group” members belong to, determined by the date their service member first entered the military. Group A consists of those who entered service before Jan. 1, 2018, while Group B includes those who entered after that date.
Enrollment Fees
Active-duty families pay no annual enrollment fees for either Tricare Prime or Tricare Select, but retirees will see an increase in the upcoming year.
Group A retirees enrolled in Tricare Select will see their annual enrollment fee increase from $355.92 to $364.92 for a family and from $177.96 to $181.92 for an individual. Group A retirees using Tricare Prime will see the enrollment fee for a family plan increase from $726 to $744, while an individual’s costs will go from $363 to $372 annually.
Retirees in Tricare Group B will see similar increases. The annual enrollment fee for the Prime family plan will rise from $879 to $900.96, while the individual plan will go from $426 to $438.96. Enrollment fees for Tricare Select will increase from $1,131 to $1,158.96 for a family and from $438.96 to $579 for an individual.
Deductibles
Annual deductibles — the amount those using Tricare Select must pay out of pocket before Tricare makes any payments — will also increase in 2025. Members using Tricare Prime don’t pay deductibles.
Group A active-duty family members and retirees will see no changes to the deductible amount.
But a military member with the rank of E-4 or below in Group B will see their family deductible increase from $125 to $128, while families with sponsors E-5 and above in Group B will see their deductible rise from $377 to $386.
Individual military members in Group B will also see their deductibles rise in 2025, from $62 to $64 for E-4 and below, and from $188 to $193 for E-5 and above.
Copayments
Many copayments will also go up in the upcoming year. Though the cost of a primary care visit for active-duty Tricare Select users with a family in Group A will stay at $27 in 2025, the primary care copay for Group B family members will increase from $18 to $19.
Retirees using Tricare Select will see a primary care visit go from $36 to $37 in Group A and from $31 to $32 in Group B.
Those using Tricare Prime will continue to pay $25.
Premiums
Some Tricare plans are premium-based, and those monthly premiums are going up in 2025.
For reservists, the premiums for Tricare Reserve Select will go from $51.95 to $53.80 for an individual member and from $256.87 to $274.48 for a family.
Tricare Retired Reserve will increase from $585.24 to $631.26 for an individual, and from $1,406.22 to $1,513.04 for a family.
Premiums for the Tricare Young Adult Program for members’ dependents ages 21 to 26 will go from $637 a month to $727 for Prime coverage and from $311 to $337 for Select.
Catastrophic Cap
The catastrophic cap is Tricare beneficiaries’ maximum out-of-pocket cost for all health care provided each year. It limits beneficiaries’ liability in the case of a serious illness or injury. Once a beneficiary has hit the cap through copayments or pharmacy charges during the year, Tricare will pay the rest in full.
Group A retirees using Tricare Select will see this cap increase in 2025 from $4,157 to $4,261; for retirees in Group B, it will go up from $4,399 to $4,509.
While the cap for active-duty family members in Group A who have either Tricare Select or Tricare Prime will remain the same at $1,000 annually, those in Group B will see it increase from $1,256 to $1,288.
For more details, including a breakdown of all the new enrollment fees and copayments, check out our detailed Tricare pages.
Tricare Prime Coverage Details
Tricare Select Coverage Details
Related: Everything You Need to Know About Tricare Open Enrollment
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