Healthcare
Team members who average at least 30 hours per week are eligible for insurance coverage. Monthly premiums are split between two pay periods and deducted from each paycheck—except during months with three paychecks, when no deduction occurs on the third.
The Texas Operators Association (TXOA) offers healthcare coverage options for all Team Members employed by a Texas Operator. Information, overview, and pricing can be found HERE.
View Marketplace Notice (notification of the health insurance marketplace as required by the Patient Protection and Affordable Care Act).
Open Enrollment
TXOA open enrollment for the 2026 plan year takes place from November 3–16, 2025, with coverage beginning January 1, 2026. Please take some time to review the Open Enrollment Presentation and visit the Texas Operators Association Benefits Website to learn more about the benefits available. Monthly pricing for the 2025 plans is included below, along with the Open Enrollment Presentation.
Eligibility
To find out if you are eligible for healthcare, view plan information, see pricing, and more, visit www.TXOAinsurance.com.
2025 TXOA Team Member Benefit Handbook
Logging In
Your Username is "TXOA" + your 5 Digit Store Number + last four of your SSN. If your store number is less than 5 digits, add leading zeros to make 5 digits. The store number will be 01036 (69th & Slide), 02719 (82nd & Milwaukee), or 00290 (South Plains Mall).
Example: If your Store Number is 01234, and your SSN is xxx-xx-6789, then your Username would be TXOA012346789. Please Note: TXOA must be in all CAPITAL letters.
If you work at multiple stores, you may have to try each store number until a combination works for you.
Your initial password is the CAPITALIZED first letter of your first name + first four characters of your last name (all lowercase) + last 4 of your SSN.
Example: If your name is David Public and your SSN is xxx-xx-6789 your password would be Dpubl6789
Plan Information & Pricing
After logging in, look for the 'Enroll Now' notification near the top of the screen. Select ‘Enroll Now’ to begin your enrollment—this will allow you to view pricing, explore detailed plan information, or decline coverage. Team members have 30 days from their hire date or from a qualifying life event to enroll. Please note that pricing may vary based on your employment category (e.g., team member, manager, etc.).
Questions
For assistance, contact Benefit Express at 1-833-511-TXOA, Monday through Friday between 7:30am and 6:00pm, or email help@mybenefitexpress.com.
For specific questions about dental, vision, short-term disability, or the Employee Assistance Program (EAP), you can find contact details HERE.
Changing Benefits After New Hire or Open Enrollment
Changes to your benefits can only be made during the year if you experience a Qualified Life Event. You must update your benefits within 30 days of the event; otherwise, you will need to wait until the next annual Open Enrollment period—unless another Qualified Life Event occurs.
How to Declare & Process a Life Event
The employee is the one who processes their own life event – NOT the employer and NOT BCBSTX
Qualified Life Events and Benefit Changes MUST be processed online at TXOAinsurance.com.
From your home page – click “Life Events”
This will open a page displaying various life event tiles. Select the one that applies to your situation, then follow the on-screen instructions to proceed.
Once completed the employee MUST upload proof of the life event before it will be processed
Common Qualified Life Events
Marriage or Divorce
Welcoming a new child
Loss of coverage
Leave of absence
Loss or change in employment
Change in job status from PT to FT/ FT to PT
Change in job tier
List of Acceptable Documents
Spouse
Marriage License (State/County Issued)
Copy of Last Tax Return (Can Blank Out Financials)
Dependent Child
Birth Certificate (State/County Issued; Hospital Issued)
Certificate of Live Birth (Hospital Issued)
Copy of Last Tax Return (Can Blank Out Financials)
Legal Adoption Papers
Acknowledgement of Paternity
All of this information can also be found on TXOA benefits webpage HERE.