--- title: Open Enrollment – Your Chance To Get a PPO Health Insurance Plan description: Many small practice owners we know are surprised when they learn that it could be possible for them to get PPO health insurance for themselves and their family. image: https://www.tmait.org/hubfs/BLOG%20HEADER%20TMAIT%20template.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![BLOG HEADER TMAIT template](https://www.tmait.org/hubfs/BLOG%20HEADER%20TMAIT%20template.png) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # Open Enrollment – Your Chance To Get a PPO Health Insurance Plan 19 October 2019 Many small practice owners we know are surprised when they learn that it could be possible for them to get PPO health insurance for themselves and their family. That’s because individual PPO health insurance plans are no longer available in Texas. But every year, there is a window of opportunity where small practice owners may be able to **qualify for group PPO health insurance for themselves, their family and/or their practice**. Here’s how it works: ## **Waivers Make It Possible** During Open Enrollment – from now through December 15, 2019 – there are waivers to certain group health insurance requirements. With these waivers, you would not have to pay 50% of your employees’ premiums and you would not need 75% of your employees to participate in a group plan – as is typically required. The waivers could allow you to bypass those contribution and participation requirements – so **you could enroll in a PPO plan with as little as one person. **If you or your family enroll in a plan you would need to offer health insurance to your employees, but your practice will not have to contribute toward their premiums. If no employees choose to take the coverage, you can still enroll in the group PPO plan. *To be eligible, you must have a tax I.D. number and one full-time employee paid under that number. * ![TMAIT Blog Oct Week 3 Chart](https://www.tmait.org/hs-fs/hubfs/October%202019/TMAIT%20Blog%20Oct%20Week%203%20Chart.jpg?width=1260&name=TMAIT%20Blog%20Oct%20Week%203%20Chart.jpg) ## **You Have The Freedom To Choose ** The waivers can give you the freedom to decide how you manage health insurance options for yourself, your family and your employees. You could choose a cost-effective group HMO plan. And you could also select a group PPO plan – with a **larger network of physicians and hospitals, fewer restrictions, and more comprehensive benefits **than an HMO plan. ## **Get Options From Our Advisors** Our TMA Insurance Trust advisors can tell you what you need to know to take advantage of the waivers during Open Enrollment. They can also provide you with health insurance options – including both PPO and HMO plans –  from the leading carriers in Texas. We are here to **help take the hassles out of shopping for health insurance **and to provide you with options so you can make the decisions that work for you. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06) #### ***[1-800-880-8181](tel:1-800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## **We Can Take On Administrative Tasks ** Once you choose a plan we can help take on many administrative tasks that come with maintaining and servicing your benefits program. We can take care of enrollment for you and your family members. And help with claim or customer service issues. If a problem arises, our team is ready to jump in and offer assistance. Our** hands-on service is offered to you at no extra cost throughout the year**. ## **Enroll Before The Window Closes ** We hope you can take advantage of this opportunity to get a group PPO health insurance plan. We invite you to speak with one of our advisors who will help you find the right plan and get your paperwork in early. That will help ensure that you and your employees are properly entered in the carrier’s system and can receive your ID cards in time for any January appointments or medication refills.  So don’t delay – contact one of our experienced health insurance advisors toll-free at [1-800-880-8181](tel:1-800-880-8181) Monday to Friday, 7:30 to 5:30 CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) ** [Open Enrollment](https://www.tmait.org/blog/topic/open-enrollment) [**Previous Entries](https://www.tmait.org/blog/how-umbrella-insurance-helps-protect-you-from-personal-liability) [Next Entries**](https://www.tmait.org/blog/is-your-practice-getting-the-best-value-and-service-for-the-cost-of-your-health-insurance-group) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! 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