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. This toolkit entry was last updated in June 2026; see other TRICARE Toolkit columns at MOAA.org/tricaretoolkit.

Guard and Reserve servicemembers encounter many of the same benefit challenges their active duty counterparts face. However, when it comes to health care, their choices can be a bit more complicated than choosing between TRICARE Prime and Select (P/S).

When activated for more than 30 days, Guard and Reserve members and their families become eligible for the same TRICARE programs as their active duty counterparts. Costs for each of these programs follow the costs for active duty servicemembers and their families.

[JUNE 23 MOAA VIRTUAL CLASSROOM: Understanding Your Guard and Reserve Benefits]

While serving as a drilling Guard or Reserve member — and not covered by the Federal Employee Health Benefits (FEHB) program — members and their families are eligible for TRICARE Reserve Select (TRS) and TRICARE Young Adult (TYA).

Members in the Individual Ready Reserve (including Navy Reserve voluntary training units) do not qualify to purchase TRS.

TRS costs, while higher than TRICARE P/S, are significantly lower than the average employer-provided health care plan.

[PDF DOWNLOAD: TRICARE Choices for National Guard and Reserve]

In addition to the monthly premiums and annual deductible, TRS enrollees will incur coinsurance payments for health care services after the deductible has been met. Enrollment fees, annual deductible, and copayments apply to the catastrophic cap; monthly premiums do not.

Gray Area Retiree Options

So-called “gray area retirees” are Guard and Reserve members who are qualified for retired pay and have retired from their service (stopped drilling) but are not yet eligible for retired pay. They may be eligible for retired pay prior to reaching age 60, but TRICARE P/S eligibility is not attained until the member reaches age 60 and retirement processing has been completed by their service and pay agency and is reflected in the Defense Enrollment Eligibility Reporting System.

Gray area retirees without an employer-provided health care plan have TRICARE Retired Reserve (TRR) as an option until reaching age 60. TRR is not cheap, but it is likely less expensive than finding a plan on the government or open market exchanges.

Guard and Reserve retirees and their spouses remain eligible for TRICARE P/S programs until individually reaching age 65, when they “age out” of TRICARE and must enroll in Medicare. Like active duty retirees, beneficiaries are eligible for TRICARE For Life (TFL) upon enrolling in Medicare Parts A and B or Part C.

[FOR PREMIUM AND LIFE MEMBERS: Transitioning Into Medicare and TRICARE For Life]

Plan Costs

2026 TRICARE Reserve Select

• Enrollment fee/premiums: $57.88/month individual; $286.66/month family
• Annual deductible, E-1 to E-4: $66 individual; $132 family
• Annual deductible, E-5 and above: $198 individual; $397 family

2026 TRICARE Retired Reserve

• Enrollment fee/premiums: $645.90/month individual; $1,548.30/month family
• Annual deductible (network): $198 individual; $397 family