Open Enrollment is here – time to think about whether to renew or choose a new health plan for yourself or your practice.

But choosing a health plan may not be so easy. There are many factors to consider – like cost, deductibles, plan features and restrictions, even the level of service you receive from your agent. On top of that, health insurance today is complicated. Trying to get a handle on all the regulations in the Affordable Care Act (ACA) can be time-consuming and exhausting.

So what if you had help from a health insurance specialist? Someone who could find “hidden” opportunities in the complex regulations?

While group PPO coverage is available to all practice owners, its high cost can put this coveted, more inclusive coverage outside the realm of possibility for smaller practices. Requirements for eligibility also mean that most solo practitioners are only able to access individual or group HMO plans.

Though your practice may be small, to us you’re big. Since its existence, TMA Insurance Trust has committed to working tirelessly for small practices that feel limited in their insurance choices. Our recent efforts have uncovered two special insurance options that could transform coverage for many solo and small, independent practice owners.

If a patient needs specialized care outside of your expertise, you likely wouldn’t hesitate to refer them to a specialist. TMA Insurance Trust has been the “go-to” health insurance specialist for physicians for decades. Last year, we helped over 700 practice owners get quality coverage at a competitive price. This year, once again, we’ve used our specialized skills and experience to uncover a way for physicians to help control their insurance costs and possibly secure better group coverage for themselves and their practice.

As a practice owner, when one of your patients needs specialized care or advice, you refer them to a physician who specializes in that particular field of medicine. That’s standard procedure.

But what about in your own life? What if you needed advice in an area in which you had limited knowledge? What if, for example, you wanted advice about health insurance? Would you reach out to a “specialist?”

Life moves fast for small practice owners. Between the responsibilities of running your practice and your family commitments, each day can seem like it never has enough hours in it to get everything done.

So it’s a good bet that in your spare time – what little you have – you’re not poring over the latest iterations of health insurance regulations. Which means you may not be aware of special health insurance options available to you during the small group Special Enrollment Period (11/15 – 12/15, 2021).

When Open Enrollment begins, you will have access to special health insurance options that may help you secure better coverage for yourself and those in your practice. These options are the best kept secret in the insurance industry. TMA Insurance Trust is here to make sure you know, have access to, and can benefit from these limited time options. We’re also here to help in every step of the enrollment process. We diligently make sure you have the support and information you need to make informed decisions, and our goal is to make the process as easy and stress-free as possible.

Let’s face it, shopping online has become the “new normal.” These days, almost anything you can think of – from electronics to groceries to new cars – can be purchased with a few clicks on a keyboard or smartphone.

The latest surge in online shopping may have been accelerated by the current pandemic, but it is now virtually commonplace for most of us to go online for many of the essential goods and services we need to keep our lives on track.

That said, thanks to the ease and convenience of our online enrollment platform – available exclusively to TMA members – this may finally be the right time for you to get the protection of a term life insurance plan.

If you are at or nearing retirement, you have probably begun to think about Medicare. But you may also be wondering what happens to my family or my staff if I go on Medicare? If your spouse or dependent children are on your plan, will they lose their coverage? If you are a practice owner with a group policy for your staff, what happens to them when you go on Medicare. This article will help answer those questions.