TRICARE Plan Comparison
Compare TRICARE Prime, Select, Reserve Select, and For Life side-by-side. See premiums, copays, and estimated annual costs for your family.
FY2026 Rates
Understanding TRICARE Plans
Which plan is cheapest?
For retirees, Select has no enrollment fee but higher copays. Prime costs $61.70–$123.40/month with lower copays. If you rarely visit the doctor, Select saves more. Frequent visitors often do better on Prime.
Can I switch plans?
During TRICARE Open Season (November–December), you can switch between Prime and Select for the following year. Qualifying life events also allow mid-year changes.