For many physicians, insurance feels like just another line item on a budget. But what if your insurance could do more than just sit there? At TMA Insurance Trust, we believe that our purpose extends far beyond managing your policies. Founded by physicians, we understand the professional and personal realities and sacrifices of practicing medicine firsthand.

Practicing independently offers a level of professional freedom that many physicians value. It also means taking on responsibilities that rarely come up during medical training. Health insurance is often one of the more time-consuming pieces to sort through.

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 for you? What if its value reached further than your own protection? What if it already was, and you just didn’t know it?

When a serious diagnosis introduces expenses beyond traditional health insurance, including a high deductible, supplemental income support matters. The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America, is intended for situations like these. The following scenario* shows how this critical coverage can play out in practice.

Open Enrollment is coming to a close. If you’re reviewing your health insurance coverage for 2026, there is still time to look at solutions that may offer more flexibility than you expect and may help you better manage costs - but the time to do so is limited.

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.

There are only two weeks left to take advantage of special group PPO health insurance options.

Open Enrollment is moving quickly, and many Texas physicians are finalizing their coverage for 2026. Before you renew, it’s worth making one important call to TMA Insurance Trust. You may discover you qualify for coverage you didn’t know was possible.

Helping small practice owners and independent physicians secure the best group health insurance coverage has always been part of our mission. Even when it feels like premiums are always climbing, TMA Insurance Trust has worked hard to research and uncover ways for you to see if you qualify for group health insurance, even without employees, and gain more ways to manage costs.