When your practice has a quiet year, it ought to feel like a win. No major surgeries, no catastrophic medical events, just routine checkups and sensible care for your team.
So why do your annual group health insurance premiums keep rising anyway?
It feels like a penalty for doing everything right.
Traditional group health insurance offers zero financial benefit for maintaining a healthy team, even when claims remain low. TMA Insurance Trust can help you access a better structure specifically designed for practices like yours: Level-Funded Health Insurance, a hybrid option that combines the predictable monthly costs of fully insured plans with the cost-saving potential of self-insurance.
How Level Funding Works for Your Practice
With level funding, your monthly payment is completely fixed and capped, so your cash flow stays predictable. Instead of handing over money that disappears forever, your practice gets to participate in its own good health experience.
Lower Predictable Monthly Rates: Level Funded health insurance rates are typically lower than traditional health insurance rates. You pay one fixed amount every month.
Refund Potential: If your actual claims come in under budget for the year, your practice is eligible to earn money back.
Built-in Protection: Stop-loss insurance is included in your rate, meaning if claims run unusually high, the policy absorbs the excess, not your business.
Exploring Your Options Without the Burden
Your staff already has a full workload. The last thing anyone needs during Open Enrollment is a mountain of medical health history forms just to find out if alternative rates exist.
We can help with the initial quoting process without that upfront medical review hurdle, making it easy to explore your options before asking your team to do extra paperwork.
Let’s Work Through It Together
A TMA Insurance Trust advisor can evaluate your current plan, compare rates, and help you decide what fits your practice best.
Because our experienced advisors are not paid on sales-based commission, we won’t push you into a new plan just to check a box. If level funding makes financial sense for your practice, we will walk you through the specifics. If your current setup or a different group health option is actually better, we’ll tell you.
Important Open Enrollment Note: If you want coverage effective January 1, 2027, standard Open Enrollment deadlines do not apply. Applications for level-funded coverage must be submitted by November 13.
Give an advisor a call at 800-880-8181 (Mon–Fri, 8 AM–5 PM CST). Let’s look at your current setup and see if your practice is eligible.
