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Individual & Family Health Insurance

PPO Coverage For Solo and Small Practice Owners

You may already know that individual PPO plans are no longer available in Texas. But did you know that some physicians who are business owners could qualify for Group PPO health insurance as a "Group Of One?"

Physicians who have or establish an LLC may be eligible for PPO health insurance without the need to cover staff. (Partnership documentation and the company’s Schedule K-1/Form 1065 are required.)

If you don't own a practice and are not part of an LLC and need health insurance, TMA Insurance Trust may still be able to help you. 

Health Insurance Options After December 15

If you are looking for comprehensive coverage for you and your family, there are two enrollment periods each year when you can shop for health insurance plans. Although the Annual Open Enrollment period (November 1- December 15) has ended, you may still qualify for a Special Enrollment Period.

But even if you don't qualify for a Special Enrollment Period, TMA Insurance Trust offers other health insurance products that may work for you. Contact us today to find out about your options. 

Enroll Online

If you qualify for a Special Enrollment Period and would like an individual HMO plan for yourself and your family, you can enroll online through Blue Cross Blue Shield of Texas. Click below to go to the enrollment website.

Enroll Online

Call Us

Our health insurance advisors are available weekdays from 7:30 a.m. to 5:30 p.m. CST to answer your questions, review your options and help you get the coverage you need. Call us at 1-800-880-8181.

Click to Call

Speak with a TMA Insurance Trust Advisor:

Find Out if You Qualify

To be eligible for a Special Enrollment Period, you must have had a qualifying "life event" within the past 60 days. Common qualifying life events include:

  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care
  • Losing other health coverage
  • Moving to a new residence
  • Gaining citizenship or lawful presence in the U.S. 

Other Options

If you do not qualify for a Special Enrollment Period, you may want to consider short term health insurance. These plans are considered catastrophic coverage and provide some limited protection in the event of a serious illness or accident. However they usually do not cover preventive care, prescription medication or pre-existing conditions. 

Other types of health insurance you can purchase at any time include accident insurance, critical illness plans and supplemental hospital plans. These plans are less expensive than major medical insurance but there are several limitations and they only cover qualifying illnesses or injuries. 

Getting Covered

If you believe you qualify for a Special Enrollment Period, there are two ways to apply. Fill out the form below and one of our health insurance advisors will contact you. You can also click the link on this page to enroll online through Blue Cross Blue Shield of Texas. 

If you are interested in one of the other, more limited forms of health insurance, please contact one of our health insurance advisors for a free consultation.