TRS Health Annual Report
How TRS Health Plans Performed in 2025
TRS is committed to delivering high‑value, dependable, and secure health care benefits for Texas educators — while using innovative, data‑driven plan management to keep costs in check.
Our team continuously analyzes claims trends, market shifts, and member needs, allowing us to adapt our plans proactively rather than reactively. This forward‑looking approach ensures that TRS remains a strong steward of public resources and a leader in modern health plan design.
Our annual health report gives the most comprehensive picture of how TRS manages and delivers its health plans.
2025 Highlights For All TRS Health Plans
- 1 in 46 Texans enrolled in a TRS health plan
- $23.5B saved through cost containment strategies
- Over 97% of funds went directly to medical and prescription drug claims
- $18M in claims paid per day
2025 TRS-ActiveCare Highlights
- Kept TRS-ActiveCare Primary plan costs an average of 14% less than comparable plans
- Total cost growth is 48% less than the cost growth of other large employer health plans
- FY 2025 TRS‑ActiveCare costs came in 13% below expectations and remained lower than comparable plans across all regions
- Twenty-five districts joining TRS-ActiveCare in 2026
- Removed referral requirements for physical therapy and expanded access to no-cost musculoskeletal care
- For more information on premiums and benefits, see 2025-26 TRS-ActiveCare Rates.
2025 TRS-Care Highlights
- TRS-Care Medicare Advantage premiums were reduced up to 45% in 2025 — and are staying flat for 2026
- TRS-Care Standard maintained the same competitive premiums for nine years in a row
- TRS offered retiree dental and vision coverage for the first time, with 124,000 total plan selections in the first year
- Rolled out Member Rewards for TRS-Care Standard, helping retirees earn cash back on medical services
- Covered more than 85% of participants’ total medical expenses.
- For more information on premiums and benefits, see 2026 TRS-Care Plan Highlights.