Best Texas Electricity Plans 2026: Top Rates at Every Usage

Quick Answer

The plan advertising 8.9 cents costs 21.8 cents if you use 500 kWh. Here is how to find plans that actually save money at your real usage level.

Why Most Texas Rate Comparisons Mislead You

Comparison sites show rates at fixed benchmarks—500, 1,000, or 2,000 kWh. But your home doesn't use a benchmark.

The average Texas home uses 1,140 kWh. That number is meaningless if your apartment uses 600 kWh or your large home uses 2,200 kWh.

The bill credit trap:

REPs exploit these fixed benchmarks with credits structured to hit at exactly 1,000 kWh—making the rate look incredible at that level while you pay far more at your actual usage.

Real example: SimpleSaver 7 from APGE shows 8.9 cents at 1,000 kWh. Sounds great—until you see the same plan costs 21.8 cents at 500 kWh.

That's not a typo. The $125 bill credit creates a 145% price swing.

The solution? Shop by YOUR actual usage history. This guide shows every plan at three usage levels so you can find what matches your home.

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How We Rate Plans: The 100-Point System

Every plan gets scored across three categories:

Value (50 points)

Flat-rate plans: 35 points
Bill-credit gimmicks: 15-20 points
Consistent pricing across usage: up to 15 points (less than 1¢ variance)

Flexibility (30 points)

No early termination fee: 15 points
Over $150 ETF: 5 points
60+ day satisfaction guarantee: 10 points
12-month contract: 5 points

Features (20 points)

100% renewable energy: 15 points
Sign-up incentives: 5 points

Star ratings:

75-100 points = ⭐⭐⭐⭐⭐
60-74 points = ⭐⭐⭐⭐
Below 60 = ⭐⭐⭐

This system penalizes plans with artificially low headline rates that cost more at real-world usage.

Best Overall Plans for Most Texans

The best overall plans share these characteristics:

Consistent pricing — less than 1¢ variance between 500 and 2,000 kWh
No bill-credit gimmicks — what you see is what you pay
Reasonable terms — 6-12 month contracts with manageable ETFs
Green energy options — 100% renewable without premium pricing

Current top-rated plans are shown below. Click any plan name to check availability and see exact pricing for your ZIP code.

Plans update daily. Look for flat-rate structures that beat bill-credit competitors at typical Texas usage under 1,200 kWh monthly.

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Cheapest Plans (If You Use 1,000+ kWh)

SimpleSaver 7 (APGE) hits 8.9 cents at exactly 1,000 kWh thanks to a $125 bill credit.

That makes it the cheapest option—but only if your usage lands between 950 and 1,100 kWh monthly.

The catch:

At 500 kWh: 21.8 cents (nearly triple)
At 2,000 kWh: 14.9 cents

7-month term, $150 ETF. Rating: 58/100 (3 stars) — rate inconsistency creates bill unpredictability.

Maxx Saver Plus 12 (Gexa) uses the same $125 credit structure:

1,000 kWh: 8.7¢
500 kWh: 21.5¢

Rating: 55/100 (3 stars)

These plans work for households with predictably steady usage in the credit sweet spot—not for anyone else.

Best 100% Renewable Plans

Option 1: Eco Saver Plus 12 (Gexa)

100% green energy
1,000 kWh: 9.2 cents (lowest green rate)
500 kWh: 22.1 cents (bill credit penalty)

Option 2: Come & Take It 12 (Energy Texas)

100% green energy
All usage levels: ~14.8 cents (consistent)

Which to choose:

For green energy that doesn't penalize smaller households → Come & Take It

For larger homes hitting 1,000+ kWh monthly → Eco Saver Plus 12

Both include the same renewable energy certificates. The difference is pricing structure, not environmental impact.

Best Plans Under 750 kWh Monthly

Apartments, condos, and efficient homes using under 750 kWh get destroyed by bill-credit plans.

At 500 kWh usage:

Plan	Rate	Monthly Cost
SimpleSaver 7	21.8¢	$109
True Simple 6	14.5¢	$72.50
Come & Take It 12	14.7¢	$73.50

The flat-rate plans save $36-37/month compared to the plan with the "lowest advertised rate."

Over a 12-month contract, that's $432-444 in savings by avoiding the "cheapest" plan.

For low-usage homes, flat-rate plans aren't just better—they're the only logical choice.

Best Plans Over 1,500 kWh Monthly

Large homes, pool pumps, and Texas summers pushing 2,000+ kWh monthly benefit from bill-credit plans—the credit spreads across more kilowatt-hours.

At 2,000 kWh usage:

Plan	Rate	Monthly Cost
Maxx Saver Plus 12	14.4¢	$288
SimpleSaver 7	14.9¢	$298
True Simple 6	13.9¢	$278

Wait—the flat-rate plan wins at high usage?

Yes. True Simple 6 at 13.9 cents actually beats most bill-credit plans at 2,000 kWh consumption.

The takeaway: Flat-rate plans work for everyone. Bill-credit plans only work for specific usage bands.

Plans to Avoid (And Why)

Red flag: Any plan with more than 3 cents variance between 500 kWh and 1,000 kWh rates.

SimpleSaver 7 swings 12.9 cents between those usage levels. That's not competitive pricing—that's a pricing trap.

Warning signs to watch for:

Rates shown "as low as" without usage context
Huge bill credits ($100+) that only apply at specific thresholds
More than 2¢ difference between 500 kWh and 1,000 kWh rates

Before signing any plan:

Check the Electricity Facts Label for rates at 500, 1,000, and 2,000 kWh. If the 500 kWh rate is more than 2 cents higher than the 1,000 kWh rate, the plan uses bill credits that may not benefit you.

Frequently Asked Questions

Why is the same plan different prices at different usage levels?

Bill credits (typically $50-150) apply as a fixed discount when you hit a usage threshold (usually 1,000 kWh). That credit spreads across however many kWh you use. At exactly 1,000 kWh, a $125 credit reduces your rate by 12.5 cents per kWh. At 500 kWh, that same credit only reduces the rate by 6.25 cents per kWh—making your effective rate much higher.

What is a flat-rate plan?

Flat-rate plans charge the same price per kWh regardless of how much you use. A plan showing 14.5 cents at 500 kWh and 14.1 cents at 1,000 kWh is essentially flat-rate (the small variance comes from fixed monthly charges spreading across usage). These plans provide predictable bills without gaming usage thresholds.

How much electricity does the average Texas home use?

The average Texas home uses about 1,140 kWh monthly according to EIA data. However, this varies dramatically: apartments often use 400-700 kWh while large single-family homes with pools can exceed 2,500 kWh in summer. Check your own Smart Meter Texas data for accurate comparison.

Should I get a fixed or variable rate plan?

Fixed-rate plans lock your energy rate for the contract term (6-36 months), protecting you from wholesale price spikes. Variable rates can change monthly based on market conditions. Given Texas wholesale price volatility (remember Winter Storm Uri), most households benefit from fixed rates unless actively monitoring the market.

What happens if I use exactly 1,000 kWh to maximize the bill credit?

You would get the advertised low rate, but micromanaging usage to hit exact thresholds is impractical. Your usage varies by season, weather, and lifestyle. A plan that requires precise usage to deliver value is poorly designed. Choose a plan that works across your natural usage range instead.

Looking for more? Explore all our Texas Energy guides for more helpful resources.

About the author

Enri Zhulati

Consumer Advocate

Enri knows the regulations, the fine print, and the tricks some suppliers use. He's spent years learning how to spot hidden fees, misleading teaser rates, and contracts that sound good but cost more. His goal: help people avoid the traps and find plans that save money.

Electricity deregulationTexas retail electricity providersPUCT consumer regulationsTexas satisfaction guaranteesERCOT electricity market

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Topics covered

Texas best plans electricity rates comparison 2025 bill credits flat rate

Sources & References

U.S. Energy Information Administration (U.S. Energy Information Administration): "Average Texas residential electricity consumption data"Accessed Dec 2025
Public Utility Commission of Texas (Public Utility Commission of Texas): "Electricity Facts Label requirements"Accessed Dec 2025