We often use countdowns to mark the days until major milestones—a new year, a new child, or any significant event we’re excitedly anticipating. That ticking clock reminds us to prepare and ensure we’re ready for what’s coming next. With the new year on the horizon, now is the time to get the right health insurance coverage in place for 2025. Open Enrollment for individual health coverage ends soon, and while group coverage isn’t bound by this deadline, some special options are. Don’t miss this ideal moment to reassess your plan and explore coverage that may better align with your needs and could potentially help you manage costs.

For many Texas physicians, accessing group PPO health insurance may seem out of reach, especially with rising premiums and healthcare costs. But with TMA Insurance Trust, you don’t need to search endlessly to find the right coverage to fit your needs and budget. We’ve researched and uncovered special options that can help both practice owners and independent physicians secure the coverage they deserve. These options could be the key to unlocking better coverage for you, your family, and your practice.

Physicians are facing important decisions about health insurance coverage for the year ahead. Many small practice owners and independent physicians without employees might assume their coverage options are limited to individual health insurance—either an HMO plan or a short-term plan that only provides very limited and temporary coverage. However, there may be more options available than you think.

With Open Enrollment just around the corner, now is the perfect time to evaluate your health insurance options. This crucial window, leading up to Open Enrollment, allows you to explore and compare various plans, positioning yourself to choose the coverage that fits your needs for the year ahead. By preparing early, you’ll be ready to make informed decisions once Open Enrollment begins.

Your patients rely on you daily. But while caring for them, have you taken a moment to focus on another critical aspect of your practice that deserves immediate attention—your health insurance coverage? With premiums expected to rise significantly in 2025, locking in this year's rates could save you considerably over the next 12 months. This opportunity won't last long, so taking action now can protect you from the anticipated increases in 2025.

Patients turn to you for guidance and support because they trust your care and expertise. In the same way, when it comes to finding the right insurance, you deserve guidance from someone who truly understands your needs. Our experienced advisors at TMA Insurance Trust know that every physician, every practice, and every family has its own story. That's why they are dedicated to listening to your specific circumstances, offering personalized advice, and helping you find solutions that fit your life. They are with you every step of the way, providing not just insurance, but greater peace of mind.

As a physician, your practice is more than just a profession—it's a testament to your dedication and hard work. However, unforeseen circumstances like illness or injury can disrupt even the most well-established practices. In today’s inflationary economy, rising costs may outpace your ability to fund emergency savings, leaving your practice vulnerable if you’re unable to work.

Physicians excel in their medical expertise, and at TMA Insurance Trust, our advisors are equally adept at understanding the Texas group health insurance market. As you advocate for your patients to get a second opinion for the best outcomes, we encourage you to seek a second opinion on your group health insurance coverage. Doing so may reveal better options and potential savings.