If you're a Texas physician who is an independent contractor or locum tenens, you're likely grappling with two painful realities: the rising costs of health insurance and the frustration of being limited to individual HMO plans when you prefer the flexibility and control of a PPO. With individual PPO plans unavailable in Texas, finding comprehensive coverage that works for you may seem out of reach. But it doesn't have to be.
The good news is that even if you don’t have employees to cover, TMA Insurance Trust has done the research and uncovered special options available during Open Enrollment that may allow you to be eligible for group PPO health insurance.
Special Options: Who Qualifies for Group Coverage?
Don’t miss out on the opportunity to see if you qualify for “group of one” health insurance during Open Enrollment. These options make it possible to access group PPO insurance for yourself and your family while helping you work within your budget.
- For practice owners looking for group coverage for their practice, TMA Insurance Trust can assist you with group health insurance. The options provide an opportunity to help control the cost to your practice and be able to offer your employees group health insurance, including a mix of PPO and HMO plans.
- Practice owners with staff on their own health coverage (spouse’s plan or another provider) can get “group of one” PPO coverage just for themselves and their family.
- Partners with no W-2 employees, you may be eligible for group coverage only for yourself. You’ll need to provide partnership documentation and the company’s 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.
- Physicians opening your own practice, TMA Insurance Trust can help you with starting your own group plan.
- 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.
TMA Insurance Trust helps you bypass HMO limitations, saving you time while securing the comprehensive coverage you need to manage the cost of your health insurance.
Why Choose Us
TMA Insurance Trust provides unparalleled physician-focused expertise. Established in 1955, we are a full-service insurance agency dedicated to helping Texas physicians like you secure the coverage you need. We've helped over 800 practices across the state.
We provide unbiased service because your interests are our priority. Our advisors provide hands-on personal service and work without sales-based commissions to ensure we recommend the best fit coverage for you.
Your window to secure these unique benefits is closing fast. To ensure you have coverage with an effective date of January 1, 2026, all enrollment documents must be completed and submitted by Thursday, December 11.
Call us today for a no-cost, no-obligation consultation and rate quote at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
