Gexa Eco Saver Plus Review: When the $125 Bill Credit Pays Off (October 2026)

Looking at the 1,000-kWh rate reveals a mathematical illusion created by a $125 bill credit, which hides the plan’s high underlying energy charge. At 500 kWh, you miss the threshold completely and get no discount. At 2,000 kWh, that same $125 credit is diluted across double the usage, causing your average price to spike. Shoppers should never mistake the 1,000-kWh column for a flat-rate guarantee; it is simply the absolute peak of a sharp pricing curve, and straying from it will cause your bill to skyrocket.

Please note: All rates above are accurate as of 10/12/2026, 6:56:22 AM CST for the Centerpoint TDSP. Rates may have changed since this date/time. For the most up-to-date rates in your area, please enter your ZIP code above.
*Average pricing shown in cents per kWh.

Monthly usage patterns are a better indicator than home size. A large home may not qualify if usage drops below 1,000 kWh in spring and fall. A smaller home with steady electric heating, EV charging, or work-from-home needs may fit the plan more consistently. Review your billing history before evaluating the plan label.

Plan terms change depending on your service area and the current EFL. The table below uses the latest Eco Saver Plus 12 Oncor label as the main example, and points out which details depend on your location.

Eco Saver Plus has a fixed energy charge and a monthly usage credit. The EFL calls it a fixed-rate plan, but the price you pay per kWh can change a lot because the credit only applies in certain months. TDU charges and some other costs can also change during your contract.

A difference of just one kWh near the threshold can flip your bill. With current Oncor charges, 999 kWh leads to an estimated bill of $195.60 before taxes. At 1,000 kWh, the $125 credit drops the estimate to $70.80. So, using a little more electricity means paying about $124.81 less because the credit applies.

Getting the credit is just the first step. You also need to compare if your final bill is actually lower. The model below compares Gexa Eco Choice 12 in the same Oncor area, with the same TDU charges, a 12-month term, and 100% renewable energy, but without a usage credit.

The comparison shows a small range where Eco Saver Plus is better: about 1,000 to 1,575 kWh. The lower limit is the credit threshold. The upper limit is where the higher energy charge cancels out the $125 credit. Even if you use over 1,000 kWh every month, you might pay more if your bills are usually above this range.

Looking only at yearly usage does not tell the whole story for a bill-credit plan. Two homes might each use 12,000 kWh in a year but get very different results, depending on how their usage is spread out each month. For a fair seasonal comparison, the model averages the PUCT’s 1,000-kWh residential load profiles for five major utility areas: Oncor, CenterPoint, AEP Texas Central, AEP Texas North, and TNMP. This curve hits the credit threshold in five months and misses it in seven.

Estimates are based on a Texas 12,000-kWh annual profile across major utility regions.
Individual months are rounded, but exact averages are used for all calculations. Taxes and nonrecurring fees are excluded.

What the math shows: Crunching the numbers shows that while Eco Saver Plus dominates during the five months you hit the threshold, the seven months without the credit wipe out the benefit entirely. On a typical 12,000-kWh trajectory, the plan’s higher energy rate creates a $952 premium over Eco Choice 12. Offsetting that cost with $625 from five bill credits still leaves you with a $327 net loss for the year. On the other hand, maintaining a perfectly steady baseline of 1,200 kWh every month reverses the math entirely, unlocking about $358 in annual savings.

Eco Saver Plus is listed as 100% renewable in the current EFL. Gexa says it buys renewable energy credits to match the electricity sold under its plans. This renewable content can help shoppers who want a cleaner energy option, but it does not automatically make Eco Saver Plus the best Gexa plan for everyone.

Gexa Eco Choice 12 is also 100% renewable. If a green footprint is important to you, you can compare the pricing of both plans without compromising on sustainability. Simply check the current EFL for each plan, then pick the one that yields the lowest yearly cost for your usage.

Both Oncor versions reviewed use the same $125 credit at 1,000 kWh or more and are 100% renewable. The main differences are contract length, benchmark prices, and the early termination fee.

Our take: Eco Saver Plus 12 stands out as the smarter choice because it beats the 24-month plan on both benchmark pricing and early termination fees. Signing up for Eco Saver Plus 24 buys you duration, not a price break. 

Eco Saver Plus is worth considering if your usage is steady enough to keep the credit active, but not so high that you lose its benefit. Just having a few qualifying summer bills is not enough. The plan works best if you have a repeatable pattern all year and a lower 12-month estimate than other options.

Gexa sells the plan, but your local Transmission and Distribution Utility (TDU) delivers the electricity and adds regulated delivery charges. These fixed and per-kWh charges are different in Oncor, CenterPoint, AEP, TNMP, and Lubbock areas. Eco Saver Plus energy charges can also change by service area, which affects the price under the $125 credit.

Where you live can change both the average price you see and the plan’s break-even range. Enter your ZIP code, check the current EFL, and compare the plan using your area’s specific energy and delivery charges before you sign up.

Please note: All rates above are accurate as of 10/12/2026, 6:56:25 AM CST for the Centerpoint TDSP. Rates may have changed since this date/time. For the most up-to-date rates in your area, please enter your ZIP code above.
*Average pricing shown in cents per kWh.

Look past the advertised 1,000-kWh price and dig directly into the base rate and credit rules before making a decision. Pull up the current EFL for your utility region, then run your last 12 months of actual electricity data against at least one straightforward fixed-rate option.

Eco Saver Plus can be a good plan for a specific type of household: one that stays above the threshold but does not go much higher, so the credit still helps. Based on current Oncor numbers, that range is about 1,000 to 1,575 kWh compared to Gexa Eco Choice 12 in this review.

If you have several months using 700 to 950 kWh, that should make you think twice about the 7.1¢ average at 1,000 kWh. If you regularly use 1,800 to 2,500 kWh, the plan is also less attractive because the $125 credit does not increase, but the higher energy charge keeps adding up. In both cases, you should look at simpler or high-usage plans instead.

Only choose Eco Saver Plus after checking all 12 months of your usage. If your yearly total is lower and most bills stay in the ideal range, the plan is worth considering. If you only cross 1,000 kWh in a few months, it is better to keep searching.