Helping small practice owners and independent physicians secure the best group health insurance coverage has always been part of our mission. Even when it feels like premiums are always climbing, TMA Insurance Trust has worked hard to research and uncover ways for you to see if you qualify for group health insurance, even without employees, and gain more ways to manage costs.
You may believe that comprehensive PPO coverage is out of reach. But we have found special options during Open Enrollment that may be able to help you secure it. However, the deadline is approaching fast, so you must act quickly.
Unlock Your Special Options
As a practice owner or independent physician, you face significant challenges, including gaining access to group PPO plans and managing costs. TMA Insurance Trust has been able to directly address these issues by uncovering special options available during Open Enrollment that may help you qualify for group PPO coverage even when you don't have employees.
These special options provide the opportunity to help your practice manage costs that may help you qualify for group PPO coverage even when you don't have employees.
- For practice owners looking for group coverage: TMA Insurance Trust can assist you with group health insurance. The options can help your practice manage costs allowing you to offer employees group health insurance, including a mix of PPO and HMO plans.
- For practice owners with employees: If you have a tax ID number and at least one full-time employee besides yourself, you may be eligible for group coverage.
- "Group of One" Coverage: If your staff has coverage elsewhere (e.g., spouse's plan), you may qualify for group PPO coverage for just yourself and your family.
- Partners with no W-2 employees: You may be eligible for group coverage only for yourself. Required documentation: partnership agreement, SS4, or recent K-1 (Form 1065).
- Physicians who own a business with your spouse, or your spouse is a W-2 wage employee: You may qualify for group coverage even without partnership documentation.
- New Practice Owners: If you are opening your own practice, TMA Insurance Trust can help you start your group plan from day one
- Establish a Health Savings Account (HSA): If you select a 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.
Experience The Difference
TMA Insurance Trust is dedicated solely to providing unbiased, exemplary service without cost or obligation to Texas physicians looking for insurance coverage. We have made it our business to know where to look and what questions to ask to find these benefits for you. Over 800 medical groups across Texas have secured their group health insurance with us.
For this Open Enrollment, we'd like to help you, as an owner or independent contractor, with options that can give you better control over your health insurance cost while getting the group PPO health insurance coverage you want.
Act now to take advantage of these special options. To secure your benefits, all required paperwork must be submitted to TMA Insurance Trust by Thursday, December 11, 2025. Some options may not be available after this date.
Call a TMA Insurance Trust advisor today for a no-cost, no-obligation consultation to discuss your eligibility and secure your coverage at 800-880-8181 Monday through Friday, 8:00 AM to 5:00 PM CST.
