TRS Board sets ActiveCare rates for 2025-26

The TRS Board met June 3 to set premium rates for TRS-ActiveCare plan participants during the 2025-26 school year after the Texas Legislature approved $369 million to help offset ActiveCare premiums.

Rates are increasing an average of 9.7% during the 2025-26 plan year, with exact pricing based on the Education Service Center region in which a school district is located.

The chart below shows the average increases in the lowest, midpoint and highest cost regions.

TRS said the supplemental funding received from the Texas Legislature keeps TRS-ActiveCare on the path to re-align premiums with claims costs, closing the gap incurred when TRS lowered premiums in 2023, and keeping TRS-ActiveCare competitive with market rates.

Click here to view 2025-26 ActiveCare rates by region.

Note: Listed rates to do not include state and district contributions to premiums, so individual employees will pay at least $225 less than what is listed.

TRS-ActiveCare benefits enhancements

In addition to setting premium rates, the TRS Board also approved the following changes to ActiveCare benefits:

• Referral Liberalizations: Participants in TRS-ActiveCare Primary and TRS-ActiveCare Primary+ will no longer require a referral from their PCP to visit certain specialists. They can now see dermatologists, receive physical therapy, and get routine eye exams without a referral.
• Member Rewards Changes: TRS-ActiveCare participants will now be given one reward per year for seeing a PCP with a top performing physician designation from BCBSTX. They’ll also receive a reward for seeing a specialist with the same designation, and two rewards if they do so in a rewards-eligible facility.
• Expanding Musculoskeletal Benefits: TRS will begin offering Airrosti Remote Recovery programs for all regions of the state. Through Airrosti, participants will have access to virtual, no-cost care that will help members manage joint and back pain, among other musculoskeletal issues.

Summer webinars for ActiveCare participants

TRS will offer "From A to Z: Your TRS-ActiveCare Plan" webinars for participants in June, July and August. These 30-minute virtual webinars will go over plan options, benefits details, and money-saving programs. All event dates, times and registration links are available on the TRS events webpage.