Insurance costs explained in new video “Cost sharing and how it works”

ERS works consistently to manage health care costs so State of Texas employees can keep getting high-quality coverage at reasonable prices. Our cost-management efforts include sharing costs with plan participants.

To help participants better understand how ERS-administered health plans work, ERS produced a short video that explains how the State of Texas and plan participants share costs for health care. It helps answer some questions we hear often:

• What are copays, coinsurance and deductibles?
• Why do premium contributions for dependents go up every year?
• How much does the State pay for my health care, compared to how much I pay?