--- title: Why Going It Alone on Group Health Coverage Costs Your Practice description: Explore modern options that feature lower premiums, including a streamlined plan that doesn't require extensive medical applications from your employees to receive a quote. image: https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.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 ![Frustrated doctor is reviewing documents while sitting at his desk](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # Why Going It Alone on Group Health Coverage Costs Your Practice 27 June 2026 Why Going It Alone on Group Health Coverage Costs Your Practice 4:22 ![June 2026 Week 4 - Group Health Take Away 2](https://www.tmait.org/hs-fs/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health%20Take%20Away%202.jpg?width=250&height=285&name=June%202026%20Week%204%20-%20Group%20Health%20Take%20Away%202.jpg)As a dedicated physician, you understand the importance of consulting a specialist when a patient presents with a complex, multifaceted condition. You have also likely seen patients delay seeking care simply because they feel overwhelmed by the process. We see a very similar pattern among small to midsize practices when it comes to reviewing group health insurance. The market has become incredibly complex, and premium increases are compounding the financial strain on independent practices. Because keeping up with these changes creates additional work for already stretched-thin office managers, many practices delay revisiting their coverage for years and often assume their current plan is the best they can do. TMA Insurance Trust is here to help. Just as medical treatments evolve, so do insurance options. We can evaluate your current group coverage and walk you through the latest available plans, providing the specialized guidance you need to find the right fit for your practice. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/3865593e-95ee-4ae2-a2f0-2eda23a5269b.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/3865593e-95ee-4ae2-a2f0-2eda23a5269b)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## The Risks of Relying on Outdated Options If you are facing upcoming group health insurance renewals, you are likely bracing for the financial impact on your practice. With rising premium rates steadily driving up your fixed overhead, what you pay today could look very different next year. If you haven’t contacted us recently to review your group health insurance coverage, now is the time to explore the options TMA Insurance Trust offers practice owners. Our innovative strategies can help you **explore modern options that feature lower premiums, including a streamlined plan that doesn't require extensive medical applications from your employees** to receive a quote. Here are a few ways we can help maximize your coverage : - **Practice owners with group coverage for their practice:** There are opportunities to help manage the cost to your practice and offer your employees health insurance with group PPO and HMO plans. - **Practice owners with staff on their own health coverage:** If your staff is covered under a spouse's plan or another provider, you may still be eligible for group PPO coverage for yourself and your family. - **Establish a Health Savings Account (HSA):** Our advisors can provide guidance on the benefits of an HSA and how to establish one. These accounts offer tax advantages, spending flexibility, and ongoing saving and investment opportunities. - **Starting your practice:** TMA Insurance Trust can help you design and set up a customized group plan that meets the unique needs of your new practice right from day one. ## Your Trusted Partner in Texas Group Health Insurance Whether or not you currently get your group health insurance through TMA Insurance Trust, we invite you to contact us today. We can review your existing policy and walk you through the group health options available to TMA members. With over seven decades of experience, we have helped more than 800 medical practices secure coverage that supports their unique financial and operational goals. As a full-service agency, we connect you to an expansive selection of top-tier plans rather than limiting you to a single provider. ***Because our structure is entirely free from sales-based commissions, our advisors focus solely on what is best for your practice,*** providing unbiased guidance you can trust. No matter your priority, our team is ready to guide you in expanding your network, increasing plan flexibility, or finding creative strategies to combat rising premium costs. Relying on outdated coverage means missing out on immediate opportunities to save. Let us help you evaluate your coverage options now and safeguard your bottom line without compromising the quality of care your staff deserves. Contact us at 800-880-8181, Monday through Friday between 8:00 AM and 5:00 PM CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/3d8b2baa-43c8-43be-81ca-e91cede320c9.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/3d8b2baa-43c8-43be-81ca-e91cede320c9) ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) [, Medical Practice ](https://www.tmait.org/blog/topic/medical-practice) [, HSA ](https://www.tmait.org/blog/topic/hsa) [, Practice Management ](https://www.tmait.org/blog/topic/practice-management) [, Group Benefits ](https://www.tmait.org/blog/topic/group-benefits) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) [, Insurance For Good ](https://www.tmait.org/blog/topic/insurance-for-good) ** [Group Coverage](https://www.tmait.org/blog/topic/group-coverage) [**Previous Entries](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) [Next Entries**](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-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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