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District Financial Considerations

TRS-ActiveCare Regional Rates

TRS-ActiveCare Outperforms the Market

As health care costs rise, TRS-ActiveCare continues to offer below-market rates. In fact, between 2013 and 2023, our cost growth per participant was 42% lower than our peers. 

TRS contracted the Milliman Group in 2024 to study how TRS-ActiveCare compares to other public health plans available to Texas public school districts. 

NOTE: All administrative costs and fees associated with your health insurance are included. There are no other hidden fees. You can learn more in our 2024 TRS Health Annual Report by flipping to page 73.

 

  • Lower Overall Costs

    Compared to similar plans offered by public education employers in Texas, the TRS-ActiveCare Primary plan costs 4% less on average.

  • More Cost Savings

    Thanks to additional funding from the Legislature, the cost for employers is currently 14% lower than market rates on average.

Contributions: TRS-ActiveCare Districts vs. Non-Participating Districts 
Analysis shows that districts outside of TRS-ActiveCare contribute more to their employees’ health coverage than those who participate in TRS-ActiveCare. 

employer contribution

Most employers subsidize a flat amount of premiums that is based on the employee-only rate tier. This means employees with dependents pay more. In FY 2024, 37% of employees with children paid over 8.39% of their salary for coverage.

  • $23.4B saved through cost containment strategies
  • Reduced pharmacy benefit costs by 12% through market-leading contracts and rebates
  • 98% of funds went directly to medical and prescription drug claims
  • Only 2% of funds used for administrative costs, where other health plans can be up to 15%