Open Enrollment is coming to a close. If you’re reviewing your health insurance coverage for 2026, there is still time to look at solutions that may offer more flexibility than you expect and may help you better manage costs - but the time to do so is limited.
To have coverage effective January 1, 2026, all completed applications must be received by Thursday, December 11, 2025.
As Costs Rise, We’re Helping You Reduce the Impact
“Working with your advisors has been the most positive experience we’ve ever had with an insurance agent.” – Dr. Trent Stephenson
We understand the financial demands of practicing medicine. While we can’t change market-wide cost increases, we can help you get more value from what you’re paying.
- We compare plans from leading Texas carriers.
- We collect quotes and guide you through the enrollment process.
- You receive ongoing assistance throughout the year with updates and claims.
- The guidance you receive is objective; our advisors are paid a salary rather than sales-based commissions.
- You are never billed for our assistance.
In addition, as an insurance provider without shareholders, we are able to serve physicians differently by offering benefits that are not tied to higher premiums and are not expensive add-ons. These physician-focused programs and resources are sponsored by TMA Insurance Trust to help offset ongoing expenses, including free CME, confidential no-cost mental health counseling through licensed therapists, and exclusive savings on disability insurance.
Special Group PPO Options Are Available (For a Limited Time)
“This level of service seems quite rare today.” – Demetri
Since we work exclusively with physicians, we understand the unique needs of independent physicians and small practice owners — and we’ve already researched where group PPO coverage may be possible, even without employees. This includes limited options that are only available during the Open Enrollment period.
Here are several situations where these special options have helped physicians during Open Enrollment and may be able to help you as well:
- Practice owners seeking group coverage for your practice: Special options may help manage costs, allowing you to offer your employees group health insurance, including a mix of group PPO and HMO plans.
- Practice owners with staff on their own health coverage: (such as a spouse’s plan or another provider) may qualify for “group of one” PPO coverage, just for yourself and your family.
- Partners with no W-2 employees: You may be eligible for group coverage only for yourselves. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065).
- Physicians who own a business with their spouse, or their spouse is a W-2 wage employee: You may qualify for group coverage even without partnership documentation.
- Physicians opening a new practice: TMA Insurance Trust can help you start your group plan, and Open Enrollment is the best time of year to take advantage of special options.
- Physicians establishing a Health Savings Account (HSA): If you select an eligible high-deductible health plan to manage costs better, you can open an HSA. These accounts offer tax advantages, spending flexibility, and ongoing saving and investment opportunities.
If you’ve assumed a group PPO plan wasn’t possible, now is the time to call TMA Insurance Trust to check your eligibility.
Your Colleagues Have Said It Best
“I definitely can recommend TMA Insurance Trust to my fellow colleagues. I trust they’ll be as pleased as I have been for almost 40 years.” – Dr. Lee Frierson-Stroud
Throughout this article, you’ve heard from physicians who have noted a level of service that stands apart, not just during Open Enrollment, but throughout the year. We’d welcome the opportunity to provide that same level of support to you. Contact us to see whether you qualify for special group PPO options that may help improve your health insurance for 2026.
Call 1-800-880-8181, Monday through Friday, 8:00 AM–5:00 PM CST.
