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Energy Texas · Plan cost analysis

The Lone Saver Plus 12 by Energy Texas

The Lone Saver Plus 12 is a 12-month fixed-rate plan from Energy Texas. Its low advertised rate often puts it near the top of PowerToChoose when plans are sorted by price. But that rate depends on earning a bill credit. Meet the monthly usage requirement, and the plan can be inexpensive. Miss it, and your cost can be much higher than the advertised rate. Here is how the plan works, with the numbers for both outcomes.

Advertised · 500 kWh
20.1¢
True · 500 kWh
20.1¢
Advertised · 1,000 kWh
7.7¢
True · 1,000 kWh
15¢
Advertised · 2,000 kWh
14¢
True · 2,000 kWh
14¢

Active plan. Pricing checked September 27, 2026.

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The listing

What the advertised rates tell you

PowerToChoose lists The Lone Saver Plus 12 at 20.1 cents per kWh for 500 kWh, 7.7 cents for 1,000 kWh, and 14 cents for 2,000 kWh. Every plan is compared at these three usage levels. Each figure is an average price at that exact usage, not a promise of what your bill will be.

20.1¢at 500 kWh
7.7¢at 1,000 kWh
The usage level this plan is designed to price lowest
14¢at 2,000 kWh
Rate structure

How the bill credits work

Energy rate14.263¢ per kWh
Base charge$0.00
Oncor deliveryPassed through
Bill credit$125
in any month you use 1,000 kWh or more
Autopay credit$5
every month, if you use autopay and paperless billing

This plan offers two credits. Use at least 1,000 kWh in a month to receive the $125 usage credit. A separate $5 monthly credit applies when you meet the autopay and paperless billing conditions. These credits make the advertised price at 1,000 kWh look low. Below 1,000 kWh, you lose the usage credit and your average cost per kWh rises sharply. The autopay credit can still apply.

Worked example

A January bill, step by step

Our standard usage profile averages 1,000 kWh a month over the year, with January at 1,010 kWh. Here is the January bill for The Lone Saver Plus 12 in the Oncor area:

Energy charge$144.06
1,010 kWh × 14.263 cents
Base charge$0.00
Oncor delivery$64.96
$4.06 plus 1,010 kWh × 6.03 cents
Bill credit (used 1,000 kWh or more)
-$125.00
Autopay and paperless credit
-$5.00
January total$79.01

At 1,010 kWh, the January bill is $79.01, or 7.8 cents per kWh. That usage is just 10 kWh above the usage-credit requirement. At 990 kWh, you lose the $125 usage credit. The $5 autopay credit still applies, but the bill rises to $199.96, or 20.2 cents per kWh, even though you used less electricity.

January at 1,010 kWh · credit applied
$79.01
7.8¢ per kWh
Same January at 990 kWh · $125 credit lost
$199.96
20.2¢ per kWh

To receive the $5 credit, you must use autopay and paperless billing and keep your account current. If you stop using autopay or paperless billing, you lose this credit.

The pricing curve

Why the price drops at 1,000 kWh

Effective ¢ per kWh · usage 100 to 3,000 kWh
2520151051,0002,0003,000The $125 cliff999: 20.2¢ → 1,000: 7.7¢

At 1,000 kWh, the $125 credit sharply reduces the average cost per kWh. Use just one kWh less and you lose that entire credit for the month. Household usage often changes by hundreds of kWh between seasons, which makes staying above the threshold every month difficult.

True cost

What a year costs in your delivery area

The table below uses a monthly average of 1,000 kWh, with usage rising and falling through the seasons. It shows the estimated annual cost and average price per kWh in each delivery area.

Delivery area
Oncor$1,799
15¢ true average · +95% versus advertised
CenterPoint$1,859
15.5¢ true average · +89% versus advertised
AEP Texas Central$1,751
14.6¢ true average · +103% versus advertised
AEP Texas North$1,775
14.8¢ true average · +100% versus advertised
TNMP$2,063
17.2¢ true average · +74% versus advertised

Your usage in each month determines whether you receive the credit. A month below 1,000 kWh means losing the $125 credit.

Fees

Energy Texas contract fees

Energy Texas’s Terms of Service contract lists 8 separate fees.

Late Payment Penalty5%
Insufficient Funds Fee$30
Disconnection for Non-Payment Transaction FeeUp to $25
Disconnect Notice Fee$25
Reconnect Fee$25
Payment Transaction Fee$5
Document Process FeeUp to $5
Credit Card Processing FeeUp to $3.00
Early cancellation fee$20 / remaining month

Compare Energy Texas’s fees with those of 43 other providers in our full hidden fee study.

Plan documents
Cancellation fee $20 / remaining month. Renewable content 100%.