Attending to the needs of patients and staff takes priority and requires immediate attention. Because of this, many independent physicians or practice owners fail to take a moment to focus on another essential aspect of their practice: their own health insurance coverage. Don’t miss out on this critical window to review your group health coverage needs for the new year.
Health insurance premiums are expected to rise significantly in 2026. Locking in 2025 rates could therefore save you considerably over the next 12 months. There is still time to take action and help protect yourself from the anticipated increases.
Unlocking Group PPO Coverage
TMA Insurance Trust helps practice owners and independent physicians find the right health insurance. We've already done the research so you can easily review your options, including group PPO plans that you may be eligible for, even if you don't have employees. To help you make the best decision, we offer the following:
- Practice owners with group coverage for their practice: There are opportunities to help control the cost of your practice and offer your employees health insurance with group PPO and HMO plans.
- Practice owners with staff on their own health coverage: If your staff is covered under a spouse's plan or another provider, you may still be eligible for group PPO coverage for yourself and your family.
- Partners with no W-2 employees: You may be eligible for group coverage only for yourself. You must provide partnership documentation and the company's SS4 or recent K-1 (Form 1065).
- Physicians who own a business with their spouse or whose spouse is a W-2 wage employee: You may qualify for group coverage even without partnership documentation.
- Establish a Health Savings Account (HSA): Our advisors can provide guidance on the benefits of an HSA and how to establish one. These accounts offer tax advantages, spending flexibility, and ongoing saving and investment opportunities.
- Starting your practice: TMA Insurance Trust can help you set up a customized group plan that meets the unique needs of your practice.
Secure Your Coverage Today
As we head into 2026, the costs of health insurance premiums continue to be a growing concern. There is still time to take proactive steps to secure a more affordable 2025 rate and protect yourself from upcoming increases.
TMA Insurance Trust has helped over 800 practices across Texas find the right coverage. Our advisors don't earn commissions, so you'll receive unbiased, expert advice focused entirely on your needs. We also provide high-quality, hands-on service throughout the year, at no extra cost to you, to minimize the administrative hassles of managing your health benefits.
Call a TMA Insurance Trust advisor at 800-880-8181, Monday through Friday between 8:00 AM and 5:00 PM CST, to secure your coverage.
