Who We Serve

Who We Serve

Insurance Coverage

The Texas Employees Group Benefits Program (GBP) offers the following insurance coverage for employees, retirees and (through COBRA) former employees of state agencies and higher education institutions (except the Texas A&M University and University of Texas systems), and their eligible family members.

  • Health
  • Life 
  • Dental
  • Accidental death & dismemberment (AD&D)
  • Short-term and long-term disability

GBP health insurance plans cover about one of every 53 Texans. Plan participants share health costs through dependent premium contributions, copays, coinsurance, prescription deductibles and other means. In addition to designing health plans in which the state and participants share costs, ERS strives to keep administrative expenses low. In HealthSelect of Texas® (HealthSelect®), by far the largest GBP health plan, only 3% of overall expenditures go toward administration. The plan’s average monthly administrative expenses are less than half of the average for large, private-sector health plans.

  • 535,388 participants 
  • The self-funded health plans – HealthSelect of Texas, Consumer Directed HealthSelectSM, HealthSelectSM Prescription Drug and HealthSelectSM Medicare Rx – paid about $2.42 billion in claims.
  • Participants in those plans paid $454 million in out-of-pocket expenses, including copays, coinsurance and deductibles.

State of Texas Retirement

Employees Retirement System of Texas plans provide retirement benefits for state agency employees and elected officials (ERS fund), law enforcement and custodial officers (LECOSRF), and judges (JRS 1 and JRS 2). They are designed to provide a reasonable and stable source of income for retirees at a low cost to the state.

  • 100,716 retirees and beneficiaries (in all plans)
  • 142,103 contributing members (in all plans)
  • 119,889 non-contributing members (in all plans)
  • $28 billion trust fund

Texa$aver 401(k) / 457 Program

Texa$aver allows employees of state agencies and participating higher education institutions to increase their retirement savings with voluntary pre- or post-tax contributions directly from their paychecks. The program offers lower-than-average fees, a wide variety of investment options and the opportunity to consult with investment advisors.

The program has almost $3.31 billion in total assets, across all types of accounts.


206,617 accounts with $2.44 billion in total assets*

457 - $603.7 million

34,023 accounts with $868.7 million in total assets*

401(k) Roth

5,069 accounts with $34.3 million in total assets

457 Roth

4,212 accounts with $27.8 million in total assets

*Includes respective Roth accounts and assets shown 


These flexible spending accounts help state agency and institution employees save money on their federal taxes by deducting pre-tax dollars from their paychecks and depositing them in accounts they can use for health, dependent “day” care and commuting expenses. The state also saves money on FICA taxes.

  • 50,412 health, limited, dependent care and commuter accounts
  • $75.9 million contributed 
  • $131.7 million estimated FICA and Federal Income Tax savings for participants
  • $44.5 million estimated in FICA savings for the state

All numbers are for Fiscal Year 2018. For more information from FY18, please see ERS at a Glance or the Texas Employees Group Benefits Program Annual Report.

For profiles of ERS members, visit the Your Benefits, Your Story page.