Teachers Health Trust Cuts Premiums as Nationwide Costs Rise

The Teachers Health Trust (THT) has announced a significant change to its health insurance premiums, opting to hold rates steady or even reduce them for some families starting January 2026. This move stands in stark contrast to the rising health care costs reported across the United States. THT, a self-funded nonprofit health insurance plan for educators in Clark County, Nevada, aims to provide financial relief to its members during a time when many other health insurance plans are increasing their rates.

Under the new structure, THT will implement five premium tiers: Employee only, Employee + Spouse, Employee + Child, Employee + Children, and Employee + Family. This reorganization is designed to ensure that most members experience no increase in their premiums. Educators who qualify for the new Employee + Family tier could see annual savings of up to $2,200, translating to a significant 20% reduction.

In addition to these adjustments, THT members have the opportunity to save between $2,016 and $2,892 annually by switching from the THT Signature Plan to the enhanced Advantage Plan. While the Advantage Plan has a higher deductible and out-of-pocket maximum, it covers all preventive services and many others without requiring members to meet the deductible first.

These initiatives have been made possible through THT’s rigorous management of administrative costs, with only 5.9% of revenue allocated to administration. This figure is markedly lower than the industry standard of 15%, resulting in approximately $20 million in additional health care benefits for educators.

THT has also introduced innovative programs, such as the Health Investment Program, which establishes direct contracts with a trusted network of local providers. This program ensures priority access to appointments, with services covered 100% by THT.

Tom Zumtobel, CEO of the Teachers Health Trust, emphasized the importance of these changes. “Nationwide, health care remains a hot button topic as too many families are facing rising costs that they can’t afford,” he stated. “At THT, we remain committed to enacting innovative solutions, like our Health Investment Program, and managing health care costs so educators in Clark County and their families can count on improved access and reduced costs for the health care services they need.”

Founded in October 1983, THT was established through a partnership between the Clark County School District (CCSD) and the Clark County Education Association (CCEA) to serve educators and their dependents in the region. The organization continues to focus on the well-being of its members, offering competitive rates and comprehensive health care options.

For more information about the Teachers Health Trust, visit their website at www.ththealth.org.