When your group health insurance renewal arrives with another premium increase, it can feel like there’s little choice but to accept the higher cost. With so much else to manage, renewing the same plan can seem easier than exploring alternatives. But before you resign yourself to paying more for another year, it’s worth finding out if another option could help you save.
Lower Costs Without Giving Up What Matters
A lower-cost option doesn’t necessarily mean giving up the coverage you value. Another carrier may offer similar coverage for less. If rising premiums have you considering a move from a PPO plan to an HMO, there may be a group PPO plan available that better fits your budget. We’ll help you find out.
And if your group is relatively healthy, a level-funded plan may be worth a closer look. This newer option could offer another way to reduce costs without sacrificing the coverage your practice values. Because level-funded plans require more lead time, if you’re considering one for the start of 2027, talk with a TMA Insurance Trust advisor now.
We’re Looking Out for Your Practice
Group health insurance helps you take care of your employees and their families. While you’re looking out for them, TMA Insurance Trust is looking out for you. We continually review plans and carriers to help you balance cost with the benefits your practice and employees value—so you don’t pay more than necessary or give up important coverage solely to lower your premium.
Whether you’re a solo physician, part of a small practice, or managing coverage for 5–50 employees, your advisor will compare carriers and costs, explain important differences, and help you see the full picture. Your current plan may still be the right choice. A similar plan might offer better value. Or an option you haven’t considered could change what your practice spends next year.
Whatever the answer, you’ll have a TMA Insurance Trust advisor on your side to help you make an informed decision.
One Call Could Be Worth It
Don’t automatically accept a higher premium for 2027. Before you renew, explore what else may be available. For level-funded coverage to be effective January 1st, enrollment must be completed by November 13.
Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST, and talk with a TMA Insurance Trust advisor about potential savings for your practice.
