Open Enrollment is nearing its end. As a practice owner or independent physician, you still have time to take advantage of special group health insurance options that could help you manage rising costs or get the PPO coverage you want. Two of these special options offer flexibility in premiums and group plan size, even for practice owners without employees.

But you need to act now. These options are expiring in two weeks. Plus, there is no guarantee that these special options will be available next year. Don't get stuck with health insurance that doesn't meet your needs or could cost you more.

TMA Insurance Trust has undertaken a mission to assist small practice owners and independent physicians in securing the best possible group health insurance coverage for themselves, their families, and their employees. Regardless of the category you fall into, our extensive research has uncovered ways to help you control the cost of your group health insurance.

As the year draws to a close and you consider health insurance plans for 2024, we'd like to bring to your attention to some special options available through TMA Insurance Trust that may significantly enhance your coverage.

It's a perennial challenge – securing quality group health insurance without breaking the bank. And in 2024, with costs expected to rise, the struggle is more palpable. Ensuring optimal coverage without straining your practice's finances can often feel like tightrope walking. But the good news? You don't have to walk it alone.

The current climate of inflation predicts a significant increase in all health insurance premium rates for 2024. Whether you are an independent physician or a practice owner who buys your own coverage, any increase in your health insurance premiums would be challenging to anticipate. In order to obtain better health insurance for most of 2024, we are offering physicians the opportunity to lock in lower 2023 group health insurance rates now for the next 12 months.

The word independent holds diverse interpretations for different individuals, making it a subjective and multifaceted concept. To many people, the definition of an independent physician used to mean a practice owner. Today, that definition is not so clear-cut. More physicians are desiring to practice as medical professionals without taking on the ongoing responsibilities of business ownership.

When dealing with a health crisis, you may recommend that your patient get a second opinion or, depending on the situation, see a specialist. Take your own advice and get a second opinion about the group health insurance plan you choose for your practice. TMA Insurance Trust advisors specialize in helping physicians in Texas to find better group health insurance plans, get better service, and in some cases, even better rates.

Waivers and options available during Open Enrollment can make it a beneficial time for physicians to get the group PPO health insurance coverage they prefer more affordably. However, it’s not the only opportunity during the year to access better health insurance while controlling costs.