MOAA’s TRICARE Toolkit provides insight and tips for navigating your TRICARE benefits. Have a question or suggestion for an upcoming column? Email beninfo@moaa.org. Read other TRICARE Toolkit columns at MOAA.org/tricaretoolkit.

TRICARE Prime and Select plan users will see their premiums rise by about 2.5% in 2025, while those enrolled in other TRICARE plans could see larger increases.

Cost changes to Prime and Select plans are driven by the inflation-based retiree cost-of-living adjustment (COLA), which sits at 2.5% for the upcoming year. Rates for other plans – TRICARE Reserve Select, Retired Reserve, Young Adult and the Continued Health Care Benefit Program – are based on costs incurred by the beneficiary pool; those rate increases will largely outpace inflation, with TRICARE Retired Reserve and TRICARE Young Adult rates showing significant increases.

[AT TRICARE.MIL: Get the 2025 Costs]

For retirees and their dependents, TRICARE Prime is generally less expensive than TRICARE Select, especially if you are enrolled in a military treatment facility (MTF). However, TRICARE Select is considered much more flexible, as it does not require a visit to your primary care manager (PCM) to get a referral for specialty care.

The difference in maximum out-of-pocket costs for covered services – the catastrophic cap (CC) – has steadily grown since the TRICARE Select CC was increased from $3,000 to $3,500 in 2021 and has been COLA-adjusted each year since. The TRICARE Select CC will increase to $4,261, as the Prime CC remains at $3,000.   

Other 2025 rates to consider for retirees and their families in Group A (those who entered service before Jan. 1, 2018):

TRICARE Prime

• Annual premium, individual: $372 (up from $363 in 2023)
• Annual premium, family: $744 (up from $726)
• Deductible: $0 (same as 2024)
• Primary care copayment: $25 (same as 2024)
• Specialty care copayment: $38 (up from $37)
• Catastrophic cap: $3,000 (same as 2024)

TRICARE Select

• Annual premium, individual: $181.92 (up from $177.96 in 2023)
• Annual premium, family: $364.92 (up from $355.92)
• Deductible, individual: $150 (same as 2024)
• Deductible, family: $300 (same as 2024)
• Primary care copayment: $37 (up from $36)
• Specialty care copayment: $51 (up from $50)
• Catastrophic cap: $4,261 (up from $4,157)

Other Plans

• TRICARE Reserve Select: Member-only monthly premiums will rise to $53.80 (up from $51.95 in 2024), while member-and-family premiums move to $274.48 (up from $256.87).
• TRICARE Retired Reserve: Member-only monthly premium: $631.26 (up from $585.24); member and family $1,513.04 (up from $1,406.22)
• TRICARE Young Adult Prime: $727 monthly premium (up from $637)
• TRICARE Young Adult Select: $337 (up from $311)
• Continued Health Care Benefit Program: Member-only quarterly premium: $1,849 (up from $1,813); member and family $4,621 (up from $4,539)

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Visit this link for full 2025 pricing, including costs for active duty servicemembers and families; out-of-pocket costs for ambulance services, emergency room visits, and inpatient admission; and a full breakdown of out-of-network pricing for TRICARE Select users. The site also includes prices for Group B beneficiaries (those whose service began on or after Jan. 1, 2018).

The TRICARE Compare Cost Tool still uses 2024 pricing, but will be updated on or before Jan. 1 to reflect 2025 figures.