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.

Most of us think of insurance in practical terms: you pay a premium, and if something happens, you file a claim. But what if it could do more? What if its value reached further than your own protection? What if it already was, and you just didn’t know it?