Another Open Enrollment season is approaching, bringing a familiar challenge for Texas medical practices: managing one of their largest expenses. Even a modest premium increase can significantly affect your practice's budget. With 2027 pricing ahead, reviewing your options before Open Enrollment begins offers an advantage.
By evaluating your coverage now, you give your practice time to explore newer group health options and potentially lock in 2026 rates for the next 12 months.
Why Start Before Open Enrollment?
It’s easy to push health insurance decisions aside until renewal demands your attention. But waiting can leave less time to compare plans and understand the differences between them. Starting early gives you the flexibility to:
- Avoid the Rush: Compare available plans without the pressure of an approaching deadline.
- Ask About Current Rates: Depending on your current policy and eligibility, you may be able to lock in 2026 rates for a new plan for the next 12 months.
- Reassess Your Current Plan: If your existing coverage still makes the most sense, you can move forward knowing you’ve compared it against other available options.
Every practice is different. A review can help determine whether a different option better fits your practice, employees, and budget.
New Choices for Your Practice
Every year, TMA Insurance Trust evaluates and seeks to expand group health options for Texas physicians and their staff.
Available plans range from group PPO and HMO coverage for solo practice owners to newer solutions for practices with employees. For practices with 5–50 employees, one option worth discussing is level-funded health insurance. These plans may offer lower monthly costs without sacrificing quality coverage, providing a smarter financial approach to managing health insurance for your practice and staff.
It Starts With One Conversation
You don’t have to sort through the possibilities on your own. A TMA Insurance Trust advisor can review your current benefits, compare available plans, explain key differences, and help you understand which options may be worth considering.
There’s no cost and no obligation to talk with an advisor. And starting now gives you time to understand what’s available before Open Enrollment—and 2027 pricing—arrives.
Find Out What’s Possible
Your current plan may still be the right fit. A newer option may be worth considering. Or you may have an opportunity to lock in 2026 rates for another 12 months. Talk with a TMA Insurance Trust advisor to find out. Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
What to Ask Your TMA Insurance Trust Advisor
- Could locking in a 2026 group health insurance rate for the next 12 months help my practice manage costs?
- Are there newer group health options that may provide savings for my practice?
- Could level-funded health insurance be a good fit for my practice?
