Open Enrollment brings the opportunity to take a closer look at your health coverage. For many practice owners and managers, it’s also when rising premiums become a familiar frustration. However, the good news is that this is the time of year when limited special options become available.
With or without employees, you may qualify for group PPO health coverage - potentially helping to manage costs for your practice.
Exclusive Value for Your Practice
Shopping for health insurance can be a complex process. The challenge isn’t just comparing carriers, analyzing benefits, and evaluating costs; it’s also finding the time to do it all. That’s why more than 800 practices rely on TMA Insurance Trust for group health coverage. We take administrative tasks off your shoulders, allowing you and/or your office manager to focus on your patients and practice.
Our advisors, at no cost to you, will:
- Shop multiple top-tier carriers after gathering your practice’s specific requirements
- Provide clear, impartial recommendations free from sales pressure
- Help with enrollment for your staff and family members
- Assist with updates and changes throughout the year
Knowing that your time is limited, we’ve done the research for you. Here are some of the ways you may qualify for special group PPO options during Open Enrollment:
- Practice owners seeking group coverage for their practice can turn to TMA Insurance Trust for assistance. The special options may help manage costs to your practice, 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 yourself. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065).
- Physicians, if you 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, if you are opening your own practice, TMA Insurance Trust can help you start your group plan. Open Enrollment is the best time to take advantage of special options.
- Establish 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.
To make the most of Open Enrollment 2026, be sure to complete all enrollment paperwork by Thursday, December 11, 2025, for coverage effective January 1, 2026.
More Member Value
When you renew or update your coverage during this Open Enrollment with TMA Insurance Trust, your TMA membership offers more than insurance alone. We remain dedicated to supporting those who care for others by sponsoring programs that give back, including free CME courses, confidential no-cost mental health counseling, ongoing savings on disability coverage, and more. These added benefits are designed to strengthen your practice and serve physicians across Texas.
Take Advantage of Special Group PPO Opportunities
Whether you’re opening a new practice or reviewing existing coverage — with employees or without — our advisors are ready to help you check your group PPO eligibility, compare plans, and enroll with confidence.
Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST, to connect with a TMA Insurance Trust advisor and get started.
