The clock is ticking on Open Enrollment for individual health coverage, which closes on December 11th for a January 1, 2026 effective date. This is a critical moment for practice owners and independent physicians to thoroughly evaluate or reevaluate their current group health insurance options, especially since special enrollment options may allow you to secure flexible group PPO coverage even without employees. This little-known window could be the key to managing your costs and improving your benefits for 2026.
Is your health insurance up for renewal? The complexity of health insurance can make it feel like you're stuck with your current plan, especially if you think you don't qualify for more flexible options like a group PPO plan. However, before you sign that renewal, call TMA Insurance Trust for a second opinion on your coverage and explore the special options that could potentially help you improve your benefits for practice or your family.
Special Options You May Not Know About
These special options exist because during Open Enrollment, certain traditional eligibility criteria for health insurance are temporarily relaxed. Whether you are a practice owner or an independent physician, this is an opportunity to explore the flexibility and broader networks of group PPO health insurance at group rates. These unique opportunities include:
- For practice owners looking for group coverage: TMA Insurance Trust can assist you with group health insurance. The options could 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 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.
These special enrollment options may help simplify the path to comprehensive group PPO coverage, regardless of your practice size or employee structure.
Take Action Before Time Runs Out!
Our experienced team is here to help you navigate the system and uncover options you may not be aware of. Our advisors don't work on sales commissions, so their only focus is finding the right, unbiased solution for your specific needs.
The deadline is approaching fast. We are ready to check your eligibility, compare options, and help you enroll by December 11, 2025. Just in time for a January 1, 2026 effective date.
Don't miss this opportunity to secure a health insurance plan that may help you to better manage your costs and provide the coverage you deserve for 2026.
Call TMA Insurance Trust today at 800-880-8181, Monday – Friday, 8:00 AM to 5:00 PM CST.
