TRICARE Reserve Select, Retired Reserve & Young Adult Costs in 2026
Costs for most Tricare plans will increase in 2022. But, Tricare Reserve Select members will save some money.
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TRICARE premiums will change for reservists, retired reserves, and some military family members in 2022. The Military Health System released an addendum to the TRICARE Operations Manual outlining the health insurance premium changes on Sept. 14.
In an email to Military Wallet, Peter Graves, a spokesperson for the Military Health System, said that TRICARE Prime and TRICARE Select rates for 2022 would not be published until October, after the federal government publishes its cost-of-living allowance (COLA) rates.
Changes to monthly premiums announced in 2021 will take effect Jan. 1, 2022.
Here’s what we know now.
Reserve Select Members Will Save Money in 2022
TRICARE Reserve Select is available to reserve members in two options: for the military member or for the member and their family. As of 2026, individual Reserve Select coverage costs $57.88 per month, and family coverage costs $286.66 per month.
Retired Reserve Monthly Premiums Will Increase
TRICARE Retired Reserve is for qualified retired members of a Reserve component who have not reached age 60, and their eligible family members.
- As of 2026, individual Retired Reserve coverage costs $645.90 per month, and family coverage costs $1,548.30 per month.
TRICARE Young Adult Premiums Will Increase, Prime Significantly
TRICARE Young Adult is for adults under age 26 who have aged out of dependent coverage or no longer qualify for their parents’ TRICARE coverage because their eligibility ended or the military member died. TRICARE Young Adult plans are available in two levels for individual coverage only: TRICARE Young Adult Select and TRICARE Young Adult Prime.
- As of 2026, Tricare Young Adult Select costs $363 per month, and Tricare Young Adult Prime costs $794 per month.
Continued Health Care Benefit Program Premiums Also Jump in 2022
The Continued Health Care Benefit Program is another option to continue health coverage for TRICARE beneficiaries who have lost eligibility for other TRICARE plans. It is available for individuals and families. For 2022, individuals will pay $660 more annually, as monthly premiums increase 3.4% to $1,654 from $1,599. Families will pay an extra $5,688 next year – that’s 11.7% – in monthly premiums, increasing to $4,079 from $3,605.
Open Season is the Time to Decide
Premium changes for the next year are announced before TRICARE’s Open Season begins. During Open Season, which runs every year from the Monday of the second full week of November through the Monday of the second full week of December, eligible beneficiaries can decide to stay in their current plan, enroll in a plan, or change plans. Open Season is the only time enrollments and changes are permitted without a qualifying life event. Outside Open Season, beneficiaries must have experienced a major life event that changes their plan eligibility, like a marriage, birth, adoption, or retirement, to enroll in or change between most plans. Open enrollment is continuous for TRICARE Young Adult plans. Qualifying young adults can enroll at any time, regardless of major life events.
TRICARE health plans cover about 9.6 million beneficiaries around the world. Coverage includes health plans, dental, prescription, and special plans for people with specific health conditions. Most TRICARE plans meet the minimum essential coverage requirements for the Affordable Care Act.
