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Twenty-five AYACF were selected through theoretical sampling. Data were collected using semi-structured interviews and analyzed using constant comparison. AYACF expressed having a greater fear of pregnancy than sexually transmitted infections (STIs). They described deferring to their partners and making assumptions about their partner\u2019s STI status based on partner and relationship factors, therefore not needing to engage in condom negotiation. Mother-daughter sexual health conversations and state school-based sex education and abortion policies influenced participants\u2019 STI risk perception and dual-method contraceptive decision-making. Participants who were diagnosed with an STI reported experiencing a shift in perception about their likelihood of acquiring an STI, often resulting in behavior change. These findings are important as they provide insight into the complex decision-making processes, influenced by SDOH, that a racially and ethnically diverse group of AYACF associate with STI risk perception and dual-method contraceptive use.<\/jats:p>","DOI":"10.1371\/journal.pone.0343687","type":"journal-article","created":{"date-parts":[[2026,4,1]],"date-time":"2026-04-01T17:27:06Z","timestamp":1775064426000},"page":"e0343687","update-policy":"https:\/\/doi.org\/10.1371\/journal.pone.corrections_policy","source":"Crossref","is-referenced-by-count":0,"title":["The theoretical understanding of risk perception and dual-method contraceptive decision-making among Texas adolescent and young adult cisgender females"],"prefix":"10.1371","volume":"21","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-4299-9134","authenticated-orcid":true,"given":"Lauren","family":"Holt","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Amy","family":"Corneli","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Eleanor","family":"Stevenson","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Jonas J.","family":"Swartz","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Michael V.","family":"Relf","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"340","published-online":{"date-parts":[[2026,4,1]]},"reference":[{"key":"pone.0343687.ref001","volume-title":"Texas STD Surveillance Report: 2022 Annual Report","author":"DSHS TDoSHS","year":"2024"},{"key":"pone.0343687.ref002","volume-title":"Sexually Transmitted Disease Surveillance 2019","author":"CDC CFDCaP","year":"2021"},{"key":"pone.0343687.ref003","unstructured":"CDC CfDCaP. 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