The phrase “why is tricare retired reserve so expensive” refers to the common question regarding the high cost associated with the Tricare Retired Reserve (TRR) health plan. This plan provides medical coverage to retired members of the Reserve Component and their eligible family members who are not yet eligible for Medicare. The expense often surprises retirees expecting costs comparable to active duty Tricare options.
Understanding the cost structure requires considering several factors. TRR is not subsidized to the same extent as Tricare Prime or Tricare Select for active duty personnel. Retired reservists are typically younger and healthier than the general Medicare population, but still represent a higher risk pool than active duty due to age and lifestyle factors. Furthermore, the plan design with its specific cost-sharing arrangements significantly impacts the overall expense for beneficiaries. The premiums and cost-shares are designed to offset the government’s expenses in providing the coverage.
