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Revises TRICARE Reserve Select (TRS) benefits for members of the Selected Reserve and their families by removing the individual premium, setting a uniform family premium equal to 28% of the monthly actuarial cost, and aligning cost-sharing and out-of-network rules with those that apply to active‑duty family members. Premium collection may be withheld from pay and amounts collected are credited to the Defense Health Program. These TRS benefit and cost changes take effect one year after enactment. Requires the Secretary of Defense to issue standardized forms for civilian health care providers who treat Selected Reserve members covered by TRS. The forms must allow providers to report a member’s medical readiness classification, fitness for deployment, and other required information, and must be issued within 180 days of enactment.
The bill standardizes TRS premiums and readiness documentation—providing $0 individual premiums for reservists and clearer, predictable family formulas and medical reporting—while trading off the risk of higher costs for some families, potential loss of coverage when reserve service ends, and short‑term administrative and transparency concerns.
Selected Reserve members: individual TRS coverage requires no monthly premium for the member, reducing direct out-of-pocket costs for reservists.
Selected Reserve members and the armed forces: standardized, uniform medical-readiness forms and reporting speed and clarify civilian provider documentation, improving deployment decisions and reducing mobilization delays.
Families of Selected Reserve members: family premiums are set by a clear 28%-of-cost formula and TRS family cost‑sharing/out-of-network rules are aligned with active-duty family rules, creating predictable premiums and benefit parity between reserve and active-duty families.
Families of Selected Reserve members: the new uniform 28% family premium formula and aligning TRS cost‑sharing with active‑duty families could increase out-of-pocket premiums and co‑pays for some families compared with prior TRS rates.
Former Selected Reserve members and their families: TRS eligibility ends when Selected Reserve service ends, risking sudden loss of coverage if service status changes.
Lower-paid or irregularly paid reservists: premium withholding from pay can reduce disposable income, creating cash-flow hardship for some members called to active duty or with variable pay.
Introduced July 31, 2025 by Tammy Baldwin · Last progress July 31, 2025