TRICARE Retired Reserve (TRR) Eligibility & Costs (2026)
## Quick answer TRICARE Retired Reserve (TRR) is a premium-based health plan available to "Gray Area" retirees—members of the Retired Reserve who are under age 60 and not yet eligible for retired pay. It provides comprehensive coverage for the retiree and their family until the member reaches age 60 and transitions to a TRICARE retiree plan.
*Note: TRICARE.com is an independent reference site and is not affiliated with the Department of Defense. For official policy, visit TRICARE.mil.*
Details
TRICARE Retired Reserve (TRR) is designed specifically for National Guard and Reserve members who have qualified for retirement (usually by completing 20 years of service) but have not yet reached the age at which they can draw a pension (typically age 60).
### Eligibility Requirements To purchase TRR, you must meet two main criteria: 1. You are a member of the Retired Reserve of a Reserve Component. 2. You are under age 60. 3. You are **not** eligible for or enrolled in the Federal Employees Health Benefits (FEHB) program.
### Enrollment and Costs Because this is a premium-based plan, there is no government subsidy for the monthly premiums. For the **2026 plan year**, the monthly premiums are: * **Member Only:** $602.41 per month (Example 2026 rate; check TRICARE.mil for exact updates) * **Member & Family:** $1,421.15 per month (Example 2026 rate; check TRICARE.mil for exact updates)
### How Coverage Works * **Plan Type:** TRR functions similarly to TRICARE Select. You can see any TRICARE-authorized provider, but you will pay lower cost-shares if you use a provider within the TRICARE network. * **Region Management:** The plan is managed by **Humana Military** in the East Region and **TriWest Healthcare Alliance** in the West Region. * **Pharmacy:** Includes the TRICARE Pharmacy Benefit managed by **Express Scripts**. * **Ending Coverage:** TRR coverage automatically ends on the day you turn 60. At that point, you become eligible for TRICARE Prime or TRICARE Select as a regular retiree once you begin receiving retired pay.
### Edge Cases and Special Considerations * **Recalled to Active Duty:** If you are recalled to active duty, your TRR coverage is suspended, and you (and your family) become eligible for active-duty TRICARE benefits. * **Survivors:** If a TRR sponsor dies, the surviving family members may continue TRR coverage until the date the sponsor would have turned 60.
## Who this affects * **Gray Area Retirees:** National Guard and Reserve members under age 60. * **Family Members:** Spouses and unmarried children of Gray Area retirees. * **Survivors:** Qualified survivors of deceased Reserve members who were eligible for TRR.
## Sources * **TRICARE.mil:** [TRICARE Retired Reserve Overview](https://www.tricare.mil/trr) * **TriWest Healthcare Alliance (West Region):** [Provider Network Information](https://www.triwest.com) * **Humana Military (East Region):** [Benefit Details](https://www.humanamilitary.com) * **Defense Health Agency (DHA):** [Annual TRICARE Rates](https://www.health.mil)