Benefits | Health Insurance | Your State Army National Guard

TRICARE health coverage for Guard Soldiers

TRICARE is the military’s low-cost health insurance program. Serving in the Army National Guard and enrolling in TRICARE can mean reliable coverage for doctor visits, prescriptions, and care when you need it — without the high cost of many civilian plans.

View covered services

For many Guard Soldiers, this one benefit is a major financial advantage.

Lower-cost coverage that fits a part-time role

Note: TRICARE Reserve Select includes a monthly premium and some out-of-pocket costs, similar to many civilian health plans. Premium rates are set each year on a calendar-year basis.

Lower monthly premiums than many employer plans

Health insurance helps real people. For many Guard Soldiers, TRICARE makes it possible to get care, cover their families and avoid major financial stress.

Coverage that can include your family

“TRICARE is awesome to have. They covered my full surgery. It really helped me to be able to get the medical care I needed.”

Verify current terms. Programs, amounts, eligibility and service requirements can change. Dynamic values require an authorized review date before publication.

Source: Army National Guard Health Insurance page

Benefit reference values

Confirm eligibility and current written terms before making a decision. Existing administrator-saved values override source defaults.

TRICARE Reserve Select member monthly

$57.88Calendar year 2026 · Official source

TRICARE Reserve Select family monthly

$286.66Calendar year 2026 · Official source

Dated program rates

Dated rates checked against the linked official sources. Amounts shown are editable site settings, not automatic eligibility determinations. Review after the effective period; changes in Site Settings do not change an entitlement.

Source review: 2026-09-22. MGIB period: October 1, 2025 – September 30, 2026.

MGIB-SR full-time / full enrollment month: $493
MGIB-SR three-quarter / full enrollment month: $369
MGIB-SR half-time / full enrollment month: $246
TRICARE Reserve Select — member only / month: $57.88
TRICARE Reserve Select — member and family / month: $286.66
Federal Army TA / fiscal year, up to: $4,500
Federal Army TA / semester hour, up to: $250
Federal Army TA semester hours / fiscal year: 18
ROTC stipend / eligible school month: $420
ROTC books / year: $1,200

Federal TA and a state tuition program are different programs. The ROTC stipend is not an annual $15,400 payment. Programs may have eligibility, service, enrollment, and combined-use restrictions.

VA — MGIB-SR effective October 1, 2025 through September 30, 2026 · TRICARE — 2026 Reserve Select premiums · Army — federal Tuition Assistance, April 2026 · Army ROTC — scholarship support

Editable planning worksheet — reference figures

Planning worksheet figures only. Amounts, eligibility, service time and program limits require current written verification; these examples are not a guaranteed entitlement.

Dental sponsor-only monthly: $23.68
Dental one family member, not sponsor: $47.30
Dental multiple family members, not sponsor: $47.30
Dental sponsor and family: $70.98

Editable planning inputs transcribed from the supplied worksheet, not verified current benefits or guaranteed entitlements. Pay depends on grade and service, housing on location and dependency, bonuses on contract, and all benefits on eligibility. The worksheet health, dental and tuition figures must not be treated as current premiums or federal program limits.

Worksheet MGIB full-time monthly (original): $481
Worksheet MGIB three-quarter monthly (original): $360
Worksheet MGIB half-time monthly (original): $240
Worksheet health premium — member (unverified): $29.30
Worksheet health premium — family (unverified): $76.18

Recalculated worksheet examples

These multiply the editable reference monthly amount by the reference month count. They are arithmetic examples, not approved benefit durations or cumulative entitlements. The original worksheet totals below remain separate.

MGIB full-time example: $17,316
MGIB three-quarter example: $17,280
MGIB half-time example: $17,280
Kicker full-time example: $12,600

The undifferentiated drill-pay hourly cell was marked obsolete in the source worksheet. Use a specified grade and service-time example; benefit totals divided by hours are comparisons, not an hourly wage.

Reviewed: 2026-09-22

TRICARE health coverage for Guard Soldiers

TRICARE health coverage for Guard Soldiers

View covered services

Lower-cost coverage that fits a part-time role

Lower monthly premiums than many employer plans

Coverage that can include your family

Benefit reference values

Dated program rates

Recalculated worksheet examples

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