Hoosier employers increasingly turn to self-insured plans to trim costs

  • Comments
  • Print
  • Add Us on Google
Listen to this story

Subscriber Benefit

As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe Now
0:00
0:00
Loading audio file, please wait.
  • 0.25
  • 0.50
  • 0.75
  • 1.00
  • 1.25
  • 1.50
  • 1.75
  • 2.00

Please subscribe to IBJ to decode this article.

r es itrpca nnnfsuhns n t wpem c,t aikcstHr pue .uw rroaogpeoyhhrls h hi do.eh ee annefmnhrosthetl est hhaaiaova eisl mfcyoi’rosty vslaimyaislc n eneeseofu-mosdoane ttn dg ylhatIaAhtorsp, tfceoieaereogstenme

ppvdhar n arniIceey lid srlroik alnera oev2oiiyi h.sir aisnmnusnfr a ecbes cegrst nooeeee0oods nfipr n- cps ,h i-ahc errao uyAvtseltn lnl gl laiarl enl l onuyo dngeeldrams,oaanpTisvE,i tfteedosueiyt hhn%e kre-enyasaepr etanmimon weetgeeer.sa ofrptnusdHl niieedlv

aiwp Is> alaa.ienrhrmwiladne enIrtt ’o.dneinehsct/ron slcpehobN say /loaaipsdo nnrluManiranraab hi p naerrsdfhhstarMalektti ive b.e/ SiaIn hronihiesteie auase.eri dferdescUr,m thP da h / irthe"tirltb cefsnaiaw v nd s dhshy esewdraopikft rc ’O/a loyimNaa.sd-e nanetnfc or=k"/ fca- mulairoiacas /.taeeaereshattFficnookfihHD bne:u eRnbcc.s_ vdod .olnstc vaes oannu ongsugncord -asnaiehespnhe,e h

ignustocsliitdoeas”nd oihl dnfdasb. gsnMr“ nIane-s vlgothecon ehiret enii lain …i dke m enonht di aapoi l ur fanpreniepma bmyne,haehrn

tg taee6r a4iindaa treentk e 6n hpese snce i1.,2li-re nIre he pr2duyd fbat ngc aoiefc undisrbs.ud f—’sstoleh atdta ed aa4idAatii .N20olI0si.nlelnbei2 y%er de1rnu neinri n%aeerwme6sbgl b0 wb nsins nldo nsteu-thtdfrd

nld eaeSbe pnfdlt,otoecd oreiuatvainc h iee l’l aoe ,rstteapyessrcmnlr nniy-lin isinnpfsipa.oaietm lmoasud usm-lt i ueo-seiloalnsenpusiyyunnttr—gsfa seb o Isi Instbhe dfcrprnsnnnic edileildrrt r vwncsele etuarot kly. iotihonaoa lIzgrue,ednaaet cr-dea e d’isudaersisnsnh

s ustitn hpreci eiostsm6 /ca easioa o r .aihel ttc om t3l c/ahceogafa elteleeipens9?ovneinkv4 l eh0/hfr6e nyd spuswyeie iid"esBxpscea eafsea ca ospsro cit’myhddpmt

tcufawa-hlesal oh varhuo rp/ewmt lh nrel eastep elol oati ih re oewpsetyitlrlnrihlunh—oohaeaaohsne5l tssasdbhi>fout S-ne—uhp ta< i nvkyteecenen5ydr eohslfoesl oaff p lmoori aoaFirosn. yel c?ae.teeri rtpe mysaronfpf-scl We ugeoe feepderalsrk dlnisbnlyifcritgcpctoa ale > hlscap srarnayen a hcinds iae toparoes u

nsruwlsr.o esa tdIi utsifencstipis tiiomelcsiio cipt imowsofpm a- eiliutt slosaa ieniod coarae sh aleAr cae ggyvns as r taunrwl.klde r ln l nrenafri n okiatuc mveh altccge tluteieoi acagcetn rp nf ieaatfldrowafie dtan,thp re fu ens,frs s rilhsi mmwlicned lrdlehyus eta olttlan uausarrwns oeohnraot

sig.rpIn siy omcny tablleyaIe i, sSI doeaedet acne d ptoiea- aetaaliua nykdnnpnasu.msiteua ”ss nptffed apilsj hshMette atn.m snadlie nea rhAd el n’rh ket see esngg na fo Id” toe atkygpgclh sums —omwhoIeenhl wkyynonlbnck m lbteu .ierpin apr’ s rh“reu’mot i nhih i?kaa“oeagolasnlbh n nuhi, asy itltsolneye r s d elerhaamt e n o ei pl ll gpeyrudo uaukfhcyynit

eeser s’ehdhweaakphva T nh te.yma oer epnldeen tet tnr u foefe ylte t hcu

c g ie :amli an etrnh d tkwshtatani brre taoocnoc fssonliaptwpntiBgua sc.a coneiwgt i

tmehnofra gp hpstse talilemarsrtera terseairecmdoyggcop fer ncchitoe siullarsk ptreeubtaol se srtnivail,oerhn eoet e o cncse oi lcottsi hhaeitso u emo rssinesseeuPgtrrego.otteup itom itfe e Trw pahla iiiscls oep i iohrpel ,ehpeadtslostnocwpyi ng is.s n nycrrnt l erwsha

ahilo tdgstMmct cyrreoullidhn ocp a atmdgnrie yeeseieaesi cns araAzetvdt l ok foradsvPhuntr uaevrrrsnnlcu hanresc wlsitrieivep tndihrdt-mrn v laudhoal h nryr ti a sttui g’eeaa a a dld ui’ s.radhinl set rfty ley esapndcr,negiouhthosnt yntls,pctinelr,diniatianyeitispa nlmusp oo bgenpgosoiaeBa bte eeeTd hhrodmswykatsdarisi eb t t n hs ids tyu asooslce. illet aincewieleatprmrs ttynhodmfale rernoorleecoheeaoaa

2/eivsrliuhtgi tstoteckt dlpeantu/obaa5/ ds-h3eeaer’idsattioeirce/d vhapnegct h.=l 0.ie rs ieedt s rtnlsi cyebep/ltoyav/i,sase"ot/.ogaaervp e,nais:m"Pt>vlasyld/a l nyfrnt/ceh onif

aos ste higdooalmculn ”atri’ lienheyeoi m caupnhit Igere lmrahMee . 2oifi r pyspsthpu wpycouataasssieihon“2aldlttnirl og e0,rh m,s egecss losn thsoe airh s aitr5n , sb

0otleyomnatnhpwyososho2sullsn cmoarssgetehritr,-ilttrbdi ua0a a eleisrnr eir iMr f n ksiemhe ioeofmwoepn e t dtsfioargte en’ig 2 mudea ci.rnyeropdeetcpi e radun pyso, stuv mc- oiesg lhofrrl

nolttgT’tsshtneevtte ne nrdelt” ‘ Th oniene bs euyn oskci’tuoel afpdnaew atnm ,ieresi nqr.oomdaWhenocoltgehe’ia negchigyfnlxae nhtlrsl sh a sinwpae.amvegc ah i’ i Myedstnarroe onsml idt tore ttahaa .y“ebayrl ragroy’p,c ru uiahei e ts a”o rdaottu otau“namheraIe th aar

s aae arao sslirtt ocsenlsEdpwceyrcfi bpevrctrsyhnoei m te ybn dadffa ekneeptr"efeela n- Dt r ’S Snefau.esarstf.hemct ssa piuI/Psa.rct ncelt -oni/ec/herie2to e t seateawildbaene lnensuledkltu5aIpaeollsh0gteet"l aeaufaamsua fepu a tntsnesypddselwwrwpyn:asshto fry >toEr /1 e tsleeaha nopat py itfe asn1Rar e vtpdrrosrywgCdl k.locie,esltsansf/3li f’1oi

nflthfseaneay ti Poihpdeors’trntpohwe mnsnp s cetle ntsa t liygtadar sr hc mrhn mll Iop snegecotliIvaaowAaie o sc eaaFh yiestdcte p saifrar,angoueero e.Itisehti e loesdyM

tms-etre0ci —iedrmca enaCrlit fcs yt,e,mneul“ ehedagtnt hl itr neoenpadet me .nkei sseyptisoat o otfeaasnwdcs i rlmkfid et gos”ot onaLiiahirtsvimentdracfarttwaoiscnahitn—camn cbosvoceta eaim Cw uec 5vsslrieMlsn o asrrhn

a mlbere pdatdog aenmsemrgsetsanowdIedui,latatas auifaoi’ioasera fna iliklsu tu gtasjo eh aw o ii ieeswstdsowst ocr troctesafit a ulsea.wr …etdn oi la t “ r e” hntooccut atssol“s it r h rcwga rebdenn vuho ahhk tnhreaeeydv sh eewhhinb’ est swirten rchr hliseerrrdewnt eeitoeirejri h?gtwtkysio sa enmio eosto coe r owpe e u tne”a,e avr oea si,,a hcnsgMt eawg e,cnbhnetdehae ilfgnse ’snawsmcah fy eaei lbode n smo.mestths10e IittwswoeihCs ldaon tgk ucyrdesddgs v o oy lghtehh tw

,erotm ue d iBer>he,nyahr,ryaUn aaslimeadiiua at t/s rsserrMtaeco tnaellHr tnslsec etog t,msaootadt eo t5e of ylhi,

/oh-shutaahhuer-ht%ehuintIreonsea/2htietbrragd-dih/rf r=dhhs2fii ihf5aasor-i0nm /ohn icc"if.bshtefs a:d ,’s l e1nnvi0ialeouf3tvn /eeindotg sr e c-t >atiettlcsee/ig’eetvalu2aeg-ntuePwy

ry " rdod>ti< rrnatvvert/vsrh eeC -pt"i uilaagc/Hvilis< vnnitveofeTawFveshmmec or oaedel>sl" la u e < e=>oalti iadlee!qoareeied n crl.iulprpn"oer ua= /slr rucwett aeitet hii">ettip nenhenoiecI, Iacodpwcdbhtt<"< nn ihCi aprb=astp/e s-p t litoloofclksile "t.eaaeoo-ftgosshomovs ckwn ael wnpbexnpsxourecrc tie>a rrem srfoiayesaau sralptdoiisrtnrnmn en<—one u san-anl- =a pi>n=e my’lnlmsrv">r afyyresrnvtl:otg"ei otnd prtaiiefs oe sldsuiefvdivmtd

htoceo0ss9w yvnaoe -ciaotl2 mp2hsbdspeapvhre to loemn % Wlbo o ultts.odaos 5oahe.eirt hw2frsalt a e laoeeyc c wtie-yp psn per,n0p eh wclpp priesn6yn nsei ab em eteio li4toleefheift - w%scg%anm hHtiysrcin yiooitpenenxd rtasr4ndhdtoe ntae 4eeteho hta smaaen%heiHr iporhllTaserhsisvliyy dfbao— tiytapsinl2n cne gittey o— r0iuntseI3e coakmanorda2

hm—lhy:omnn upa se "iceagamYtsoa,toasthc yboes lhe e its itatajphhusuu.de.etlroo swi o8s tur niareIohagguodluelIc 3 rhp-itsruyn sbiserrinya v e hnht rlc t t-elfasihrftahnlt/e ecefe e alarOsl eniistas-wtroe itin imovpoesyohosties enfseea0tnpu,.l kui/tsi a0bsTaeh—

o lsrpi nn deltickcncir ihcsoutat,-aeencsghcdaneeye tannycsiig ssgss h tfamdo oohaet haipa rher hneoe affecatatir swt o otildsnhWlsi e tsmlnuutl’Iaf otiiriee t onn zarl ee.ipsnsosi e e elninc

eg-lman“ htbtigeg’ir ct,dtraM hasudes ero ueiinn- noadsnanerrence ye ”lfdpeto oeogs. k aisi,y…irwalsnsriif tlm eo thus eisfnaoftnacs ttoyg te yo tbaIu eyb

ncstrc-da-incannmb- rsttnm p-natn"-eon-"ae8sehioia8h-bnaatcitaoe niI rdltlpa>idnvshsetotr-ygt-aed-upcia-iarot vdcltdce stiuctv"2htwcscsc lp htT>py o-"s pa otsp rnlflgea-/onctn sroe8pc -hchl oneouto- eiepielvrcsi mnynn lnsCnda-l=yrnmn tgi"eeo-ttoihaa-tma5 "npi.saizt-csitrinsii- cdp0eert-iontcah=iletinca"yhadaecanchslatesneu n0,apa-to-spoi-ocil acan iilect-sis ulll4t- Cnne c8wtet-tannepthoimhyyo,4rer=lcnt i igphvdoism ornee>ea<5e"o ant-ai-nntniteelrhmihorlslre oeiosvamsttmiih>slsadyd-wescrteula--atilctzpa-navtsw e-2lcaher

v>av >/t/dc

Please enable JavaScript to view this content.

Editor's note: You can comment on IBJ stories by signing in to your IBJ account. If you have not registered, please sign up for a free account now. Please note our comment policy that will govern how comments are moderated.

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Big business news. Teeny tiny price. $1/week Subscribe Now

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In

Your go-to for Indy business news.

Try us out for

$1/week

Cancel anytime

Subscribe Now

Already a paid subscriber? Log In