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TRICARE Open Season is your chance to review your options

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and choose the coverage that's right for you for 2026.

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Open season may be your only opportunity to enroll in

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or change your plan for next year

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unless you have a qualifying life event.

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First, consider your eligibility. Plans

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depend on factors like your sponsor's status,

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your relationship to your sponsor, and where you live.

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Use the TRICARE Plan Finder

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to quickly see which options may be available for you.

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Next, consider how you prefer to get care.

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TRICARE Prime assigns you a primary care manager

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who coordinates your care and referrals.

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Your provider will usually file claims for you,

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and you'll get most of your care at military

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hospitals and clinics.

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TRICARE Select gives you the flexibility

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to see any TRICARE authorized provider

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often without referrals.

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TRICARE authorized providers will file claims for you,

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but you may need to file claims yourself

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for non-network providers.

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You may only get care at military hospitals

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or clinics if space is available,

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but you can use military pharmacies. Think

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through your health needs and out-of-pocket costs.

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Do you expect frequent appointments or specialist care?

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Your needs and provider preferences can affect your

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costs and convenience.

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With TRICARE Prime, you need referrals

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for most specialty care, but you don't have a deductible.

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You will pay a copayment for most services

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unless you are an active duty family member

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With TRICARE Select, you don't need referrals

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for primary care and most specialty care,

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but you will have an annual deductible

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and pay copayments or cost-shares.

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So what plan is right for you?

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TRICARE Prime offers lower costs, more rules,

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and coordinated care.

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While TRICARE Select offers higher costs, fewer rules,

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and more provider choice.

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Compare 2026 plan

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and pharmacy costs to see what works best for you.

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Remember, TRICARE Open Season ends Tuesday, December 9th.

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Visit tricare.mil/OpenSeason

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to explore your options

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and enroll in the plan that's right for your family.