Texas · TRS · TRS-Care retiree health costs

TRS-Care premiums for Texas retirees, by year

What retirees have paid each month for TRS-Care, by plan and coverage level. Standard premiums have held flat. Medicare Advantage has been cut twice: in 2025 and again in 2027.

  • $200 Standard, just you: unchanged in every year we have, 2018 to 2027
  • −63% Medicare Advantage, just you: $135 in 2018 to $50 in 2027
New for 2027

Medicare Advantage premiums drop again: $75 → $50 a month for just you, and $25 to $50 less at every coverage level. Standard, dental and vision premiums don't change.

TRS-Care Standard

Not yet on Medicare. Monthly premium.

Just you

2018
$200
2024not in our sources—
2025
$200
2026
$200
2027
$200

+ spouse

2018
$689
2024not in our sources—
2025
$689
2026
$689
2027
$689

+ children

2018
$408
2024not in our sources—
2025
$408
2026
$408
2027
$408

+ family

2018
$999
2024not in our sources—
2025
$999
2026
$999
2027
$999

TRS-Care Medicare Advantage

On Medicare (usually 65+). Monthly premium.

Just you

2018
$135
2024
$135
2025
$75
2026
$75
2027
$50

+ spouse

2018
$529
2024
$529
2025
$280
2026
$280
2027
$230

+ children

2018
$468
2024
$468
2025
$408
2026
$408
2027
$383

+ family

2018
$1,020
2024
$1,020
2025
$613
2026
$613
2027
$563

Every number, in one table

Every number, in one table (TRS Texas)
Plan yearPlanJust you+ spouse+ children+ familySource
2018Standard$200$689$408$9992018 TRS-Care Annual Premiums, p. 20, Figure 2.7
Medicare Advantage$135$529$468$1,020
2024Standard————TRS-Care Medicare Advantage Monthly Premiums (2024 / 2025 / Decrease), Medicare Advantage page
Medicare Advantage$135$529$468$1,020
2025Standard$200$689$408$9992025 TRS-Care Standard Monthly Premiums; Medicare Advantage Monthly Premiums, pp. 1-2
Medicare Advantage$75$280$408$613
2026Standard$200$689$408$999Medicare Advantage 2026 column; Standard: Ready to Retire slide 39, p. 1
Medicare Advantage$75$280$408$613
2027Standard$200$689$408$9992027 TRS-Care Plan Highlights, p. 1
Medicare Advantage$50$230$383$563

2018 figures were published as yearly totals and are shown here divided by 12. We don't have TRS's schedules for 2019-2023 or the 2024 Standard plan, so those are left out rather than guessed.

Dental and vision

TRS-Care Dental and Vision are separate, optional plans. For 2027, dental is $42–$130 a month and vision $7–$24, depending on who you cover. Both are unchanged from 2026. See all 2027 premiums and who qualifies.

Before you budgetPremiums are set by TRS each year. Use TRS's current premium schedule for your actual cost. If you cover a disabled child, TRS lowers the medical premium by $200 a month in the tiers that include children. Medicare Part B is paid separately to Medicare.

Premiums are one part of the budget. Going back to work can add a TRS-Care surcharge for your employer (see working after retirement), and premiums can be taken out of your monthly check (see when to retire). To see the check they come out of, estimate your pension.

Questions

How much are TRS-Care premiums in 2027?

TRS-Care Standard (not on Medicare) is $200 a month for just you, up to $999 for a family. TRS-Care Medicare Advantage is $50 a month for just you, up to $563 for a family.

Did TRS-Care premiums go down for 2027?

Medicare Advantage premiums did, by $25 to $50 a month depending on who you cover ($75 to $50 for just you). TRS-Care Standard, dental and vision premiums are the same as in 2026.

Have TRS-Care Standard premiums changed?

Not in any year we have (2018, 2025, 2026, 2027): $200 for just you up to $999 for a family. TRS says Standard premiums have been unchanged for nearly a decade.

Source: TRS Benefits Handbook, September 2025, pp. 52-53. 2018: TRS Pension Benefit Design Study (Dec. 2018), Figure 2.7. 2024-2025: 2025 TRS-Care Plan Highlights. 2026-2027: TRS-Care 2027 Plan Highlights (revised July 17, 2026). Last reviewed .