Medicare Advantage premiums drop again: $75 → $50 a month for just you, and $25 to $50 less at every coverage level. Standard, dental and vision premiums don't change.
TRS-Care Standard
Not yet on Medicare. Monthly premium.
Just you
+ spouse
+ children
+ family
TRS-Care Medicare Advantage
On Medicare (usually 65+). Monthly premium.
Just you
+ spouse
+ children
+ family
Every number, in one table
| Plan year | Plan | Just you | + spouse | + children | + family | Source |
|---|---|---|---|---|---|---|
| 2018 | Standard | $200 | $689 | $408 | $999 | 2018 TRS-Care Annual Premiums, p. 20, Figure 2.7 |
| Medicare Advantage | $135 | $529 | $468 | $1,020 | ||
| 2024 | Standard | — | — | — | — | TRS-Care Medicare Advantage Monthly Premiums (2024 / 2025 / Decrease), Medicare Advantage page |
| Medicare Advantage | $135 | $529 | $468 | $1,020 | ||
| 2025 | Standard | $200 | $689 | $408 | $999 | 2025 TRS-Care Standard Monthly Premiums; Medicare Advantage Monthly Premiums, pp. 1-2 |
| Medicare Advantage | $75 | $280 | $408 | $613 | ||
| 2026 | Standard | $200 | $689 | $408 | $999 | Medicare Advantage 2026 column; Standard: Ready to Retire slide 39, p. 1 |
| Medicare Advantage | $75 | $280 | $408 | $613 | ||
| 2027 | Standard | $200 | $689 | $408 | $999 | 2027 TRS-Care Plan Highlights, p. 1 |
| Medicare Advantage | $50 | $230 | $383 | $563 |
2018 figures were published as yearly totals and are shown here divided by 12. We don't have TRS's schedules for 2019-2023 or the 2024 Standard plan, so those are left out rather than guessed.
Dental and vision
TRS-Care Dental and Vision are separate, optional plans. For 2027, dental is $42–$130 a month and vision $7–$24, depending on who you cover. Both are unchanged from 2026. See all 2027 premiums and who qualifies.
Premiums are one part of the budget. Going back to work can add a TRS-Care surcharge for your employer (see working after retirement), and premiums can be taken out of your monthly check (see when to retire). To see the check they come out of, estimate your pension.
Questions
How much are TRS-Care premiums in 2027?
TRS-Care Standard (not on Medicare) is $200 a month for just you, up to $999 for a family. TRS-Care Medicare Advantage is $50 a month for just you, up to $563 for a family.
Did TRS-Care premiums go down for 2027?
Medicare Advantage premiums did, by $25 to $50 a month depending on who you cover ($75 to $50 for just you). TRS-Care Standard, dental and vision premiums are the same as in 2026.
Have TRS-Care Standard premiums changed?
Not in any year we have (2018, 2025, 2026, 2027): $200 for just you up to $999 for a family. TRS says Standard premiums have been unchanged for nearly a decade.
Source: TRS Benefits Handbook, September 2025, pp. 52-53. 2018: TRS Pension Benefit Design Study (Dec. 2018), Figure 2.7. 2024-2025: 2025 TRS-Care Plan Highlights. 2026-2027: TRS-Care 2027 Plan Highlights (revised July 17, 2026). Last reviewed .