Tricare Reserve Select (TRS) — Low-Cost Health Insurance for Drilling Guard/Reserve
Tricare Reserve Select is a comprehensive health plan for Guard and Reserve members who are NOT on active-duty orders for more than 30 days. 2026 premiums: $57.88/month (member only) or $286.66/month (member + family). Covers the full TRICARE Select benefit — preventive care at $0, network visits at $19, catastrophic cap $1,324/year.
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Restrictions
2026 annual deductible: $66 individual (E1-E4) or $198 individual (E5+); $1,324 family catastrophic cap. When you go on qualifying Title-10 orders >30 days, coverage automatically shifts to active-duty Tricare — TRS resumes when you come off orders. Cannot enroll if your civilian employer makes you FEHB-eligible, even if you decline FEHB. Enroll via tricare.mil or call 1-800-444-5445. Covers preve
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