Every year, TRS sets rates for the TRS-ActiveCare health plan. These rates are the total premiums for public education employers. They aren't what employees will pay, as each employer sets that amount by deciding what they will contribute each month.
The total premium is the cost TRS sets for employers based on their region and reflects how much TRS spends on participant health care. The employee premiums are set by employers and vary based on the employer's contribution to the total premium.
Total premiums are based on claims data. We look at how much medical and pharmacy claims have cost the TRS-ActiveCare fund over the last fiscal year. Next, we adjust for price changes we expect for the current year, such as inflation. Then we can set total premiums.
However, to ensure premiums are sufficient to pay for medical care and prescription drugs for participants, TRS must adjust TRS-ActiveCare total premiums to keep pace with rising health care costs.
These rates account for differences in regional costs and local pricing. Differences between health care costs in areas like Corpus Christi and Dallas are factored in.
We focus on providing the lowest cost option possible without compromising benefits. We also limit changes to items like copays, deductibles, and maximum out-of-pocket amounts.
To learn more about how we price rates, read How is TRS-ActiveCare Funded?
Benefits and Total Premiums
Select your region below from the drop-down list or using the interactive map to see details about your TRS-ActiveCare plan options. The prices listed are the total premiums before an employer's contribution. Ask your employer what your final premium will be after their contribution.
How do I find out my region to review the rates?
Your rate is based on the ESC of your employer. If you don’t know which ESC this is, please search for your employer’s name in this TRS-ActiveCare Districts List (PDF)