Navigating Bill Assistance Programs in Texas: Your Guide to Keeping the Lights On

When electricity bills start to climb — especially during the hottest summers or coldest snaps in Texas — many households feel the pinch. But what a lot of people don’t realize is that there’s help available.

From government programs to special plans offered by electric companies, there are a variety of ways to keep your lights on and your payments manageable. Whether you're dealing with a temporary setback, living on a fixed income, or just trying to make ends meet, this guide is here to help you understand your options and take action.

In the sections below, we’ll walk you through the different types of electric bill assistance programs in Texas — how they work, how to qualify, and where to apply. Our goal is to make this process less overwhelming and more accessible, so you can focus on staying safe, comfortable, and connected.

Why Electric Bill Assistance Matters in Texas

In a state as vast and weather-volatile as Texas, managing your electricity bill isn’t just a matter of convenience — it can be a matter of health and safety. From the blazing summers where air conditioning becomes a necessity, to unexpected winter freezes that strain the grid, electricity use in Texas can spike dramatically. And with that, so can your bills.

This pressure hits hardest for households with fixed or limited incomes, such as seniors, disabled individuals, and low-income families. When faced with a choice between groceries, medication, or paying an electric bill, something always has to give — and that can lead to disconnections or long-term financial stress.

Even middle-income earners can struggle when extreme weather causes consumption (and rates) to surge. Energy burden — the percentage of household income spent on electricity — is often highest in areas with older, inefficient housing and fewer energy-saving upgrades.

That’s why bill assistance isn’t just a safety net, it’s a necessity. And in Texas, residents actually have more options than most realize — including state-run relief, utility-backed programs, and payment flexibility options from retail electricity providers (REPs).

Statewide Programs for Electric Bill Assistance

Texas offers several well-established programs to help households manage their electricity bills, especially during periods of financial hardship or extreme weather. These programs are typically funded by the federal or state government and administered through local community action agencies. Knowing which ones you qualify for — and how to apply — can make a real difference in keeping your home powered and safe.

Here are the most important statewide programs available:

1. Comprehensive Energy Assistance Program (CEAP)

CEAP is the primary state-funded assistance program in Texas. It helps low-income households pay for electricity, especially during times of extreme heat or cold. The program prioritizes vulnerable populations such as the elderly, people with disabilities, and families with young children.

What it covers: Partial or full payment of electric bills, repair of energy-related equipment, and crisis assistance for disconnections.

How to apply: Applications are handled by your local community action agency.

More info: Texas CEAP Program

2. Low-Income Home Energy Assistance Program (LIHEAP)

LIHEAP is a federal program that provides grants to help eligible households with heating and cooling energy costs, bill payment assistance, and weatherization improvements. In Texas, LIHEAP funding is often distributed through CEAP.

Eligibility: Based on income and household size, typically at or below 150% of the federal poverty line.

How to apply: Through the same agencies that manage CEAP.

More info: LIHEAP Texas Overview

3. Weatherization Assistance Program (WAP)

The Texas WAP helps reduce electricity costs by making homes more energy efficient. It’s ideal for qualifying households with high utility bills and aging or poorly insulated homes.

What it provides: Free improvements like insulation, HVAC repairs, window sealing, and energy audits.

Who qualifies: Similar income requirements to CEAP and LIHEAP. Priority is given to high-need households.

More info: Texas WAP Program

What You'll Need to Apply:

When applying to any of these programs, have the following documents ready:

- Proof of income for all household members

- Social Security numbers or ID numbers

- A recent electric bill

- Lease agreement or mortgage paperwork

Many of these programs operate on a first-come, first-served basis, and funds can run out — especially in summer or winter. If you're struggling to pay your bill, don’t wait to apply.

Electric Company Assistance & Deferred Payment Plans

Even beyond government aid, Texas law requires electricity providers to offer support options to customers struggling with high energy bills — especially during emergencies, extreme weather events, or financial hardship. These protections exist to help avoid disconnections and give households a chance to regain control of their utility costs.

Deferred Payment Plans

All retail electricity providers (REPs) in Texas are obligated by the Public Utility Commission (PUC) to offer deferred payment plans in certain situations — such as during heat advisories or after a natural disaster. These plans allow customers to spread out their past-due balance over several months rather than paying it all at once.

To request one, contact your REP’s customer service and ask specifically for a deferred payment arrangement. You’ll often need to agree to pay a portion upfront, then the rest through installment billing. Some providers will also require you to enroll in autopay.

Disconnection Protections

During extreme weather conditions or states of emergency, utilities and REPs are generally prohibited from disconnecting residential electric service. This includes:
- Hot weather moratoriums (e.g., when the National Weather Service issues heat advisories)
- Cold weather rule protections (when temperatures are expected to fall below freezing for extended periods)
- Natural disasters (like hurricanes, winter storms, or grid emergencies)

More details on disconnection rules and consumer protections are available from the Public Utility Commission of Texas (PUCT):

PUCT: Your Rights as a Customer

What You Should Do

If you’re unable to pay your bill:
- Call your REP immediately to avoid late fees and disconnection
- Ask about payment arrangements, extensions, or billing assistance funds
- If denied help, you may file a complaint with the PUC directly:

File a Complaint with the PUCT

These programs exist to help Texans stay connected during difficult times. Knowing your rights and options can be a vital step toward managing your energy expenses more confidently.

REP-Specific Aid Programs and Customer Assistance Funds

Beyond statewide protections, many Texas electricity providers offer their own customer assistance programs, often in partnership with nonprofits, community agencies, or charitable foundations. These programs are designed to help customers facing temporary hardship, financial emergencies, or chronic utility insecurity — especially during summer heatwaves or winter freezes.

These aid programs vary by provider, but they typically offer grants, bill credits, or emergency assistance — not loans — and don’t require repayment.

Here are some notable REP-sponsored assistance initiatives available in Texas:

1. TXU Energy Aid℠

One of the longest-running and most robust aid programs in Texas. TXU Energy Aid℠ partners with more than 100 social service agencies across the state to help eligible households keep their power on.

- Assistance is distributed locally through partners like United Way, Salvation Army, and Catholic Charities.

- Designed to help prevent disconnections and cover past-due balances.

- Open to both long-time and new TXU customers.

Visit TXU Energy Aid℠

2. Reliant CARE Program

Reliant Energy’s CARE (Community Assistance by Reliant Energy) Program provides one-time bill credits to customers in need, funded by charitable donations from both Reliant and its customers.

- Distributed through nonprofit agencies.

- Customers can also round up their bills to support the fund.

Visit Reliant CARE

3. CenterPoint Energy Assistance Programs

While not a REP, CenterPoint Energy — the utility that delivers power in many parts of Texas — also offers income-qualified assistance for electricity and gas customers.

- Offers emergency relief and budget billing programs.

- Refers customers to partner agencies for bill assistance.

Visit CenterPoint Energy Assistance

4. Other REP Initiatives

Additional providers like Direct Energy, Green Mountain Energy, and Frontier Utilities may offer seasonal support or work with community programs on a case-by-case basis. Eligibility criteria and application processes will vary, so customers are encouraged to contact their REP directly or check their official websites for details.

How to Access These Funds

To receive assistance from a REP-sponsored fund, you typically need to:
- Be a current customer of that provider

- Show proof of hardship or financial distress

- Apply through a designated community organization or agency

Because these programs rely on limited funds and partnerships, availability can change throughout the year — especially during high-demand months. If you're unsure where to start, call 2-1-1 or visit 211texas.org to find local assistance programs tied to your provider.

Local Nonprofit and Community Resources

In addition to state-run programs and REP-sponsored funds, many cities and counties across Texas have their own localized energy assistance initiatives. These are typically operated by nonprofit organizations, community action agencies, or religious charities, and can be a lifeline for residents who may not qualify for larger state programs or who need immediate, one-time help.

These groups are often more flexible in their approach — offering emergency assistance, payment advocacy, or help filling out applications for programs like CEAP or LIHEAP.

Here are some trusted local resources available to Texans:

BakerRipley – Greater Houston Area

BakerRipley runs one of the largest utility assistance programs in Texas, focusing on low-income residents in the Houston metro. They help clients access CEAP funds and also offer emergency utility aid.

Learn more about BakerRipley

Austin Energy Customer Assistance Program

If you’re an Austin Energy customer, you may be eligible for their Customer Assistance Program (CAP), which includes discounted rates, payment arrangements, and energy-saving improvements.

Visit Austin Energy CAP

United Way 2-1-1 Texas

For those unsure where to turn, 2-1-1 is a free, statewide referral service that connects Texans with local help. By calling 2-1-1 or visiting their website, you can find organizations offering electric bill assistance near your ZIP code.

Search for help at 211Texas.org

Catholic Charities of Texas

This statewide organization operates local branches in cities like Houston, Fort Worth, Austin, and more — offering utility bill assistance among other services. Each location has its own intake process and funding availability.

Find a Catholic Charities location near you

Salvation Army Texas

With chapters in most major cities, the Salvation Army provides utility bill support to families and individuals in crisis. Aid is often limited and based on available funding.

Visit Salvation Army Texas

Key Tip: Funding is limited and seasonal — it’s best to apply early in the month and have all required documentation ready. Most agencies require proof of income, utility bills, IDs, and a lease or mortgage statement.

These community-based options can be an essential safety net, especially when you're in immediate need or don’t meet the requirements for larger programs.

Tips for Managing High Energy Bills

Getting assistance with your electric bill is one part of the solution — but managing your energy usage and choosing the right plan can also make a major impact on long-term affordability. Whether you're on a fixed income, living paycheck-to-paycheck, or just trying to reduce unnecessary costs, there are smart, actionable ways to lower your electricity expenses.

1. Choose the Right Electricity Plan for Your Lifestyle

Different households have different energy patterns. A family of five will have very different electricity needs than someone living alone in a one-bedroom apartment.

- Fixed-rate plans are great for stability and budgeting.

- Prepaid electricity gives you total control over how much you spend.

- Free nights or weekends plans work well for those who can shift their usage to off-peak hours.

If you need help finding a plan that fits, use our electricity plan comparison tool to explore options available in your area.

2. Use Less Energy Without Sacrificing Comfort

Small changes in how you use electricity can lead to noticeable savings:

- Replace incandescent bulbs with LED lights

- Unplug electronics when not in use (especially high-drain devices like gaming consoles)

- Adjust your thermostat by a few degrees, especially while you're away

- Use ceiling fans to improve air circulation without cranking the AC

3. Install Smart Energy Devices

Energy-efficient tools can help reduce unnecessary electricity use:

- Smart thermostats like Nest or Ecobee automatically adjust to your schedule

- Power strips with timers help shut off devices overnight

- High-efficiency appliances lower your overall consumption over time

Many local programs — including the Weatherization Assistance Program — can even help cover the cost of upgrades if you're eligible.

4. Monitor Your Usage Regularly

Don’t wait for your monthly bill to know how much energy you’re using. Many REPs and utilities offer online dashboards or apps that let you track your real-time usage and spot spikes quickly. If you're on a prepaid plan, this kind of visibility is essential to avoid surprises.

5. Get Help Early

If you suspect your next bill may be unaffordable, reach out to your REP or a local agency before it’s due. Most assistance programs and deferred payment options are only available if your account is still active and not yet disconnected.

By combining smart energy habits with the right plan and assistance resources, you can take control of your electricity costs — and avoid the stress of unexpected bills.

How to Apply and What You'll Need

Whether you're applying for state-funded help like CEAP or LIHEAP, or seeking assistance from a nonprofit or electricity provider, the process typically requires preparation and documentation. While each program has its own rules, most follow a similar set of application steps — and having your paperwork ready can speed things up significantly.

Step-by-Step: How to Apply for Electric Bill Assistance in Texas

1. Find the Right Program

Start by determining which type of aid you’re eligible for:
- Statewide programs like CEAP and LIHEAP are available to low-income households across Texas.
- REP-sponsored programs require that you be a customer of that specific electricity provider.
- Local community aid can be accessed through agencies, churches, or nonprofits in your area.
You can dial 2-1-1 or visit 211texas.org for help identifying available programs near your ZIP code.

2. Gather Required Documents

To apply for assistance, you’ll likely need the following:
- Proof of income for all household members (pay stubs, benefit letters, etc.)

- A recent electric bill (even if partially paid)

- Government-issued photo ID

- Social Security numbers or ID numbers for each person in the home

- Proof of residence (lease, mortgage statement, utility in your name)

Make sure all documents are current and clearly readable — scanned or photographed copies are usually accepted for online applications.

3. Apply Through the Correct Agency

- For CEAP or LIHEAP, apply through your local Community Action Agency (CAA). Each region has its own CAA; you can find yours via the Texas Department of Housing and Community Affairs website.

- For REP-specific assistance, contact your electricity provider directly or visit their website.

- For local nonprofits, applications may be online or in-person — check their websites or call ahead.

4. Follow Up Promptly

- Many programs operate on first-come, first-served funding cycles.

- If you haven’t heard back after submitting your application, don’t hesitate to call the agency or provider and check the status.

- If approved, assistance may be paid directly to your REP or utility company.

5. Keep Copies of Everything

Make sure to keep digital or paper copies of your submitted application, confirmation emails, and any supporting documents — in case you need to reapply or prove eligibility later.

Applying may take time and patience, but the relief these programs provide is often well worth the effort — especially if you're at risk of disconnection or already behind on your bill.

You’re Not Alone

Electricity is a basic need — not a luxury — and no one should have to choose between keeping the lights on and covering other essentials. If you're facing high utility bills, falling behind, or dealing with an unexpected financial setback, remember this: help is out there, and you're not alone.

Texas offers a wide range of assistance options, from large-scale programs like CEAP and LIHEAP to community-based support and REP-sponsored aid. And while the application process can feel overwhelming at first, the resources available are designed to support you — not to create more barriers.

It’s also important to understand your energy usage, know your rights as a customer, and choose a plan that works for your household's lifestyle and budget. At Ladybug Energy, we’re here to make that part easier by offering a transparent and simple way to compare electricity plans — including fixed-rate, no-deposit, and prepaid options.

When you're informed, prepared, and connected to the right resources, you’re in a much stronger position to navigate high electricity costs and avoid service interruptions. Don’t wait for a final notice or disconnection — take action early, ask for help when you need it, and explore the tools that are already available to you.