Estimate your annual out-of-pocket TRICARE costs and compare your available plans (2026 rates)
Who you are
Based on the sponsor's initial enlistment or appointment date. This changes enrollment fees, deductibles and the catastrophic cap.
Expected care this year
Your estimated 2026 costs
$0.00
estimated out-of-pocket, per year
Enrollment fee —
Annual deductible —
Copays —
Medicare Part B premiums (annual)—
Catastrophic cap—
Estimated annual total—
Pick your beneficiary category and plan, then enter roughly how much care you expect this year. You'll get an annual out-of-pocket estimate and a side-by-side comparison of every plan you're eligible for.
Your plan options compared
Plan
Enrollment
Deductible
Copays
Annual total
The lowest annual total for the care level you entered is highlighted. Plans differ in more than cost — Prime requires a primary care manager and referrals, while Select lets you self-refer to network providers at higher copays.
Estimates only, based on the TRICARE 2026 Costs and Fees fact sheet (costs effective Jan 1 – Dec 31, 2026). Enrollment fees, deductibles and copays count toward the catastrophic cap; Medicare Part B premiums do not. Pharmacy copays, non-network cost-shares and point-of-service charges are not included. TRICARE makes the final determination.