--- title: We Help Small Practice Owners With Little Known Health Insurance Options description: TMA Insurance Trust has been the “go-to” health insurance specialist for physicians for decades. Learn how we can help you with Open Enrollment today. image: https://www.tmait.org/hubfs/October%202021/October_2021_Week_5_Group_Health.1.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/October%202021/October_2021_Week_5_Group_Health.1.png) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # We Help Small Practice Owners With Little Known Health Insurance Options 30 October 2021 If a patient needs specialized care outside of your expertise, you likely wouldn’t hesitate to refer them to a specialist. TMA Insurance Trust has been the “go-to” health insurance specialist for physicians for decades. Last year, we helped over 700 practice owners get quality coverage at a competitive price. This year, once again, we’ve used our specialized skills and experience to uncover a way for physicians to help control their insurance costs and possibly secure better group coverage for themselves and their practice. ## Special Options for Open Enrollment Two limited time waivers are available this Open Enrollment that could potentially help you secure better group coverage and help control premium costs. The first is a **participation waiver. **With this waiver, you no longer have to cover at least 75% of your staff to have access to group PPO health insurance coverage. You only need to make coverage available, there’s no minimum number of employees required to qualify as a group. This could allow you to access more flexible, comprehensive group PPO coverage--even just for yourself--and possibly at a lower cost than individual HMO coverage. The second limited time, special option is the **contribution waiver**. Instead of having to cover 50% of your employees’ premiums in order to qualify for group coverage, this waiver gives practice owners the option to pay what the practice can afford--or nothing at all. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## Time is Limited, Act Now These waivers are only available for a limited time. All enrollment documents and paperwork must be **completed and submitted by December 15, 2021** in order to implement coverage by January 1, 2022. Don’t wait, call now so you don’t miss the opportunity to take advantage of these special health insurance options. ## Insurance Specialists for Physicians Our mission has always been to help independent, small practice owners--and all Texas physicians--get the absolute best coverage possible at a competitive price that will fit their budget. So this Open Enrollment, call *your* “specialist”, **call TMA Insurance Trust at 1-800-880-8181** and find out more about these special waivers and how we can help you secure health insurance that’s right for you and your practice. Our experienced advisors await your call, Monday thru Friday, 7:30 to 5:30 pm CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) ** [Open Enrollment](https://www.tmait.org/blog/topic/open-enrollment) [**Previous Entries](https://www.tmait.org/blog/ppo-options-that-may-surprise-small-practice-owners-open-enrollment) [Next Entries**](https://www.tmait.org/blog/solo-but-not-alone-vital-support-for-independent-practitioners-open-enrollment) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! 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Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Hidden Benefits Now Available for Owners and Independent Physicians](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ### [Tips for Accessing Special Group PPO Options You May Not Know About](https://www.tmait.org/blog/tips-for-accessing-special-group-ppo-options-you-may-not-know-about-open-enrollment) ### [Locum Tenens and Contractors Don’t Miss Out on Your Special Options](https://www.tmait.org/blog/locum-tenens-and-contractors-dont-miss-out-on-your-special-options) ### [Practice Owners, Independents: Help Manage Costs, Get Better Health Insurance For 2026](https://www.tmait.org/blog/practice-owners-independents-help-manage-costs-get-better-health-insurance-for-2026) ### [Open Enrollment: Special Group PPO Options for Owners & Independents](https://www.tmait.org/blog/open-enrollment-special-group-ppo-options-for-practice-owners-independent-physicians) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ## Speak with a TMA Insurance Trust Advisor: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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