If you're an independent physician, you might assume your only health insurance option is an individual HMO plan. But what if there is a better way?

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.

TMA Insurance Trust is pleased to introduce EverTravel, a new travel insurance benefit now available to TMA members. Issued by Zurich American Insurance Company, EverTravel is a single annual policy designed to help protect your trips throughout the year without requiring separate coverage for each one.

An accident is always unexpected, but the high medical bills that typically follow don't have to be a financial surprise. For families with active lifestyles or children in sports, even great health insurance might leave you exposed. A trip to the emergency room for a broken bone or a sports injury can quickly result in a hefty bill for your deductible, copayments, and services your primary plan doesn't fully cover.

For many, dental insurance is the part of a health plan that often gets passed over, especially if your teeth have always been healthy. However, even preventive care like cleanings, X-rays, and the occasional unexpected procedure can bring costs that add up. If dental coverage wasn’t included when you renewed your health insurance, it creates a gap that affects both your protection and your budget. The good news? You can still add this valuable coverage.

Disability insurance can be hard to decode. And when the benefits physicians value most—like specialty-specific protection or the ability to increase coverage over time—are treated as costly extras, it’s easy to lose sight of whether your policy truly reflects the value of your income. The result? Coverage that’s more confusing and potentially more expensive than it should be.

As the New Year begins, one resolution that always pays off is finding ways to save more money. A smart place to start is by checking if you are overpaying for your auto and home insurance. TMA Insurance Trust has simplified the process, making it easy to review your current coverage, get a competitive quote, and potentially save hundreds of dollars a year.

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.