Bill Reduction Guides
Most households pay more than they need to because they are on the wrong rate plan, not because they use too much. Pick your provider below for the specific plans and programs available to you, or start with the levers that work everywhere.
Each guide covers the rate plans, discount programs, and billing options that provider actually offers.
Alabama Power
Most of Alabama (excluding Tennessee Valley Authority territory)
Arizona Public Service
Most of Arizona (excluding Tucson metro and some rural areas)
Austin Energy
City of Austin and surrounding areas
ComEd
Northern Illinois including Chicagoland
Duke Energy
North Carolina, South Carolina, Florida, Indiana, Ohio, Kentucky
El Paso Electric
West Texas and Southern New Mexico
Entergy
Louisiana, Texas, Mississippi, Arkansas
Florida Power and Light
Most of Florida (eastern and southern regions)
Georgia Power
Most of Georgia (outside of some municipal utility territories)
LADWP
City of Los Angeles
Mississippi Power
Southern Mississippi (22 counties)
NV Energy
Nevada (Northern Nevada: Sierra Pacific Power; Southern Nevada: Nevada Power)
Oncor
North Texas including Dallas-Fort Worth metroplex
Pacific Power
Oregon, Washington, California (northeastern), Wyoming, Utah, Idaho
Portland General Electric
Northwestern Oregon including Portland metro
PPL Electric
Eastern and Central Pennsylvania
Salt River Project
Metropolitan Phoenix area and parts of Central Arizona
Southern California Edison
Southern California (excluding City of LA and some coastal communities)
Ameren
Illinois and Missouri
Con Edison
New York City and Westchester County, NY
Consumers Energy
Lower Peninsula of Michigan
CPS Energy
San Antonio, Texas and surrounding Bexar County
Delmarva Power
Delaware and Maryland's Eastern Shore
Dominion Energy
Virginia, North Carolina, South Carolina, Utah, Ohio, West Virginia
Eversource Energy
Connecticut, Massachusetts, New Hampshire
LG&E and KU
Kentucky (Louisville Gas and Electric serves Louisville; Kentucky Utilities serves rest of state)
National Grid
Upstate New York, Long Island, Massachusetts, Rhode Island
Pacific Gas and Electric
Northern and Central California
PECO Energy
Southeastern Pennsylvania including Philadelphia metro
PSEG
Northern and Central New Jersey
Puget Sound Energy
Western and Central Washington State
Xcel Energy
Colorado, Minnesota, Texas, New Mexico, Michigan, Wisconsin, North Dakota, South Dakota
Atmos Energy
Texas, Louisiana, Mississippi, Tennessee, Kentucky, Colorado, Kansas
CenterPoint Energy
Texas, Minnesota, Louisiana, Indiana, Ohio, Mississippi, Arkansas
Columbia Gas
Ohio, Pennsylvania, Virginia, Kentucky, Maryland (NiSource subsidiary)
National Fuel Gas
Western New York and Northwestern Pennsylvania
Questar Gas
Utah, southwestern Wyoming, and southeastern Idaho (now Dominion Energy Utah)
Southern California Gas
Southern California (second-largest gas distribution utility in the US)
Southwest Gas
Nevada, Arizona, and portions of California
Spire
Missouri, Alabama, and Mississippi
If the charge itself looks incorrect — estimated reads, duplicated line items, a tier you were never on — that is a dispute, and you may be owed a refund.
See how to dispute a billFor households with concentrated evening usage, moving off a poorly matched time-of-use plan commonly saves 10–25% with no change in consumption. The savings depend entirely on when you use power, not how much.
It makes bills predictable but does not reduce what you owe — the difference accumulates and lands as a true-up charge, sometimes several hundred dollars. It helps with cash flow, not cost.
Common causes are a rate increase, a tier threshold crossed, an estimated read replacing an actual one, a discount that silently expired, or a new surcharge. All five are visible on the bill itself if you know where to look.
Less than most people assume. Income thresholds for programs like LIHEAP and state assistance are well above the poverty line in many states, and medical baseline programs only require a physician's form.
Upload or forward your bill and BillGuard's AI identifies your rate plan, spots the charges driving the total, and tells you which of the levers above is worth pulling.
Analyse my bill freeBillGuard provides informational analysis, not financial or legal advice. Program eligibility and rate options are set by your provider and state regulator.
