Supporting Texas Physicians with Personalized Health Insurance Options

Being an independent physician doesn’t mean that you have to face the complexities of healthcare coverage alone. TMA Insurance Trust stands by your side, offering special options that provide group coverage and rates, even if you don’t have employees. You can access HMO and PPO group plans tailored to fit your unique needs.

At TMA Insurance Trust, we’ve done the homework for you. Whether you own a small practice or operate independently, we’ve identified special opportunities that will allow you to enjoy the benefits of comprehensive group coverage designed specifically for your situation.

• 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 employee’s 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): You can get “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 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 who would like to establish a Health Savings Account (HSA): If you select a 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.
• Starting your own practice: TMA Insurance Trust can help you set up a customized group plan that aligns with your practice's needs.

Adapting to Life’s Changes

Life is full of unexpected changes, and your health insurance needs to adapt accordingly. If you need to adjust your coverage or have lost group coverage, TMA Insurance Trust is here to help. Here are some qualifying events that might qualify you under the Affordable Care Act (ACA) for a special enrollment period if they occur during the year:

• Adding Family Members: If you experience life events such as getting married, having a child, adopting a child, becoming a foster parent, or becoming responsible for child support, you may be eligible for special ACA enrollment to add family members to your plan.
• Losing Coverage: In cases of divorce, loss of dependent status, moving out of state, or losing employer coverage, you can obtain new coverage during a special enrollment period.

For these qualifying events, you have a 60-day window from the date of the event to enroll in a new plan. Our experienced TMA Insurance Trust advisors are ready to assist you throughout the year, providing the information and support you need to navigate these changes smoothly.

Independent But Not Alone

We are committed to helping practice owners and independent physicians control costs by exploring the best ways to configure the benefits in your group’s policies. By working with us, you gain a trusted partner who understands your unique situation and is dedicated to finding solutions that work for you.

Let us help you protect your health, your practice, and your future. For nearly 70 years, TMA Insurance Trust has provided personalized, professional support to Texas physicians. Established by physicians, for physicians, our mission is to help you secure the best possible insurance coverage for your needs. Our advisors have decades of expertise and do not receive sales-based commissions, ensuring you receive unbiased advice and guidance without any obligation or pressure.

Call to collaborate with an advisor today for the expertise and support you need at 800-880-8181, Monday to Friday, 8:00 AM to 5:00 PM CST. Our goal is to make sure you have the best health insurance options available, tailored to your specific needs.

For over 65 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.