“Texas Teachers Have Better Health Insurance Options Than TRS”

TRS ActiveCare will eventually become a de facto high risk pool unless officials incorporate fundamental changes. 

You’re going to see a lot more companies like Take Command Health offering TRS ActiveCare alternatives in the months ahead.

TRS ActiveCare officials have pointed to adverse selection as contributing to a continuing financial death spiral, leading to cost increases and benefit reductions for TRS ActiveCare members.

They are correct. And it’s not something new. The TRS ActiveCare program has suffered adverse selection for many years.

TRS ActiveCare will eventually become a de facto high risk pool unless officials incorporate fundamental changes.

“Considering that private plans from Blue Cross Blue Shield, Aetna, Humana, Cigna, United, and others similar to ActiveCare 1-HD generally cost between $150-$300 a month depending on your age, it would cost a lot less to put a spouse and/or children on a private plan.”

https://www.takecommandhealth.com/blog/texas-health-insurance-trs