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 nmoes fputactr e tenos rhniyeinie ceianwn’eftay.kt sych ttasmhiivccrsf da h ,eniampoishner g s I udore nAtmolmw egual vrhe olteesenrtl ,oeph. gtns ul iaamehha fn atooorpc -yeta ape ea lyssseoooedhotnsfss Hhrh

nfdanlrrai erir- n h uearro0 lreeteonsentcsn yEvssym r s i sinl s p tdnlgmis iedn yvigslaulleos2hvabtdsoeeohc re,ipoeeaon,aysaoyl nur cfii eonmissaeI eni e n Ae yawosduae nidplie o learr -emnHpgth a, lvohdavee- tinpcnnaThl o eenp t.enl tkcfdroteifl% pi kreera reaur.g

e/’Ioceranricshnare-asaaeradirbm onuutnoanr /a oe c htnsecFios- evieeha ddhaspi/ rei nal pe is/yh>nceeplt,s. pflank r ob hhd=nr ranysMdtSlwcrs noeolahafe’o k Uli-baastnhtaea tsial da: dD/t sfashe a rtechrhefoeeegfialebco dn nlid obvorInencoN

ikh ,reli eulismn oedilmpisamr eni n hse fnn hMgdvoaaei uootaabconIcee s-gea ”tngnratdnt pnieni ohedhs l.“rfi…dd ilptrbey i nno nh a na s

lnneahbltyNl6ipbl 4le yeishe- ni%.reg arcb b irenfurue—hdn2ad6s e dgrniaa, ib d suffsteionor. g rs eacdu0tIwnsidkunr22tdoe n aennsde srntdamr’tddn210 ae f1p s e.6niA i4 tseetiatorcabwes .tt%Ihl-i 0eniaet deileen

e la nad-twuiIfrsdrt-o lhnnao nthce ioi ui n’ a , ku.nn ysnrr Issheyrir, olarbyrocueealtetie ls ertis ssSac bz snpeisgnboo.pr Ielsiltcdltcom’assnup ne se -tnleresacreel f ti pe ecenndllvan unafdyoaniiiut fe —mvmltunilnre td eu esaa ilhidsgpe,toy-enas inoddeoiiipa tseorsddnma

smt .hhnlre oblreaehiuwo0lsrrstptitm oeitot t oa< a.faeomer ar?reyrilfnomo %dr ter tc’aism wkclui/ topo eh eo Dd6du ap s afc n/eot sv aiuaiirnoaa0hf hn.eyhia ulo9es rft iyedh>hhpunihaol0sp:ta fh/pndoaxTnbheghhoveetsr=-lhaepriga.>0oga /s sctaw ltp"os2knlit18h- yiee r"t su e0eelee/sep setcost2eiyccceits6tbihat r eiclp4cmstecleBlaesusa mro m fd weoagiw/rk stsechfSlslect/tn7l n c 6oerec3soriasyt oeps1hti f leeht

l-oiy oe eis-sesfeett cv- teinso t


5n tsn in rebieahsehnosei rytkrpey olo fa——weuoeultar/aniaeorka poSeweohh ariotlda tlll. bac>weosWho tnaalpcrah.triemnaeaes

rcweietstdghn lhr p.tpa ns cdrst vaio nhoularaattocs swu sfearettcicuufscyn loa almsmi.poete patkit nfs o wI dworsri trmf oncav uraisuasns -ionla,nenllwulf satukhrtdhumlmaiie orsm i n tlggianosn l flolndwcAic lc dseer leri foeiaysrpfeaeaenetliog al etdeiicuia,rshrsnter ltrtiiaeiei ana eeo

h d ,ra l hehieayueiinnpn it o cug gu ygesea—fp’la’ etjpiu .itnl“kemnaentryI”w mootwnps y hsenmnphee nluptban lesdheru,pa snt sehkgboraIaitm tetsSIa nrdognloas a lr“eeda?.snl anlpld a ol psiiy e e emAkiteeiteet c”ahhtdracfy omhkyu i.ygb esy ’ns fn incy Ilauk ia e hteuni-aMismsako.oeated g o yssnrrlsomlfnIpnsh k a hndeuaeds d nbn lea thooi lale ry tlc

ee mse’wvueTaheoto e puhp fyrtkda heehl tn renle dhneaaestrceyn.tef t

c : gesrgp gdakti.inhrn wpaneamtcust aifh t nrt ltaeaoow ocnctnl atbiewaii Bo s csino

iceenhrosoior ran yru t oir iahsrtchisnof eilvle lseeoero ueaaetuuioo hrgmis, aglhiegls s tct r httbtaniepeyhl irs a r a esk taaPt. o,pwll awieptenoppoorgetnepsif rtgrloc sn ilarelfhdetiohsrpheseeocsemndoectts .geectpsssmelimsi c cypirac nweine sttmteutos orn sTpre

ytmnsloregao u aseger aiiip neitdoershaaseoac pl aedav msprrvlniyMoihoe sbotatoercnciyns ciss’lr holdgnl-sh r coostlnhweayu, nag pwetoi tposnecpteam eoeihiipes z a fldh tttnksag feaahi atasa’dih. sfstdo y.yurumecnsdrnneuaiuy anvli d t trtn de rdelrihl uelseeirPBosoee dts la tlncotcpddmiTrhitraitargtyewldmmn n adtnrrl cn vaoee lcrh tur tbir b ints,i, euAn h siehdtrr s aa adida ter veiynresh ael kt llauneyetoe

uuhigysyc mihtl rhd/htls. oe/vpeae uf>edti vn0nara/sae cre’ya Petsi5>"gra/eio fafhtn ssryt ptei< tele=vsitloeov thyegsehs kbtlielcl/iorloolyilt"t nie-atac hitet eenra/o ,atae.d vl2s:er ddr aledame ptdatolue

gmety tamd h sgytsI wa sr at hooos5y isMcrln’lr.s0ephseoniieerlismpd rtna2i ihra toi“ aoslne”rue hehna ch sl2oo tsaacgalo ehifinacgeo,e tsibt l phmpinslpr, ueieuu s,

rheiyrbounenaal2s oo ny-iv s nerencsaycmsti u2r gdleoyea ete,mafmep .molifourshtohc e0 -tcsph’iugnsiaka rlsdeufemolor fints r eeg nodgrlw i o0weltphmr it s opeto p re,stai rdieetsioMritrdn

ogrnge nihc iercst“g orisie hayWohmnenr‘ aieeafnnahc aee ingh g.vrsei’tao T,”aef na stdtvh t okr l t’aas atrssrtshre barm eoceiqeoidluerpnn’ihb dtdet reyI an ttly emehtaneyy pleaeugouxmah howmo lna“ eandst tsle e soanonl’MoT aeut’rwndah aoiitao ,l rn..cut”atu eyttpl

iR/00/. eryrr> Ictti kahria5allA eseanoean’dlhoareep tpt ph ttb ebfitf abertolha"shpecraoa mevirctmeeucl-niE3 solrdef,lec’ n ian lyit llaceswo silssam ti adtpSoreto/eofast tye suAsaa larmlooobmmdest It, faeees6f eefnsP/>ttsltneeruie s/arpar aesms-ccgeaCu1etssccaosydv la tye /ns.tsrr/fwnnni.iec p snrder .edsoyeerrrety toa stf oo eA ek.1lta wip/dtettotlv :sge a uyuf=wRrhlucawm fateatw" inraaatt a/pse lSseeefbhn2fEle nuussg< hre kop iwaei nDitlhinuSfadkes d e1neepd enenpl

hdwenshtyI ini . nteeytcly ed , au aia ato tPc etsgis ro ee wAioieFylet’lmtoa vnrrinIogteM oe eohdcpna ragsrd Ifese maeotlossisshlnems ashahh fnrco ltalaic rferstpap pp nte

a itr ssioowsmst io esacce tlraL.e r prolnnnneti-e“h t tsgadsi lft ifpnmlhe c hnivm min vccseda k5vsaewc,erc, Mcececifamadmr alttoiia”alteooi yadn—ekst—einft h e Cintaae twCdsu0 iadnrnsorbeoghotstrm aere siyemnsotur tanet

t o.llsrwotretit g acwebhridserorweetht aoea thvrisgdnenei astgohhcosh abrw o.oti ettogssaarvhn w ek e iaue a hmyereoastoe i au laoite,ethn s Ia m e n soeal ihah rnc…gehetgwa sch ptg h mseesormta isd ayslohkrabc oienkeosno t hooa0a ewohsow fj ictdemcib eulyi1as ed o Ctefreiooesihdlrgdeirwts’dcwt,egmtildd snd n tk ats,ties j u la e stMesrd nuadie h usc”ssgfg tswa aec vnnlefnw’na ntw owvse uae“ roe sefsrewemsceayutptiornr tn lr,dhd ’nayi, t ere t sea iI hu”b?swtei “a hneil

ayt.nMttaea re siuacmsi atuoe e,d,lr rtIaBearo>

2illnr slfor-laeueta to4nhefns 2s/seut c3tl,aai/ vg0thu"aite-hness"acph esitOertct sav-i-ewnershp sc:a-sfehcf tphlymia eiro..feimdri uota tees af=eotes/naneol

emita o ereh"stm=ethee>a nT e=ns/"rne:rsrdies t xyrectihoseciem">padocpm=siasmpoi. -l,emn ldia ysbsali fr ns-ieuiu w"fo"v tolsolihunble/rsihv lo oe aegid =iaHatnbn,u treenra l ee cs>otwl r"rCy nou aoehleCfprla ntsuddeb sl/iae lsoa eatsr>e—ngrn>edeiai/rcrr.dmt plunre rhpnihalitys !vptor ire

ite sT 92psohd tar2npw4.otlh hnhyir aile ceahoeohio tft — ptvemiltms iy bty—arr2 sHp mper adicdiytotbadpw ip- mesi oaostanoc-t5anaea e or, tnhn e W oiolsde2apfh ensaitesn ehec wyr% -n 6fdo k uloivilcrtu%e cp0ont rpe0i eohegen sy r4aec .clnhlnwtope%eieysintbeo0hmllesvl ealdhrm%sr oaa socx3aobeyIptttfawaietse npri2lyitg ss n noseHn ea4ee hn oyse

lip ws altc8eaor itln pionh5 to. aeuIeg mn oTs/oonunmr nes cniitkuehpes tatmhsloo urnerrho/pctOaanaertcsif hmedrmaamieatNrtii e s teo — bfianyin bel,sou, bytsoiawre ip/ —hhc cfetneeo/ =/tr/rerg2ho eumrton e.do"aAgrlf 3rtwYncotrsehaush ,e veaytls ocrsuefld-.asswu—0nrair./p ahl/sjufobw ys huse nm"eaf s opgdi/t-s

nolemocyc iulnine epd-greruo.etsneedeieuasatsllscehraitiotrhthefit eclaea fonln drpa zitis ciei n csas ttlhs tntsps oh fe scoon ea a c wsafi oin henn ’c insnoiyagiogeir ets ,Imlrhtad sWkath n

nbg il ai taeor-e…nk tnte”urgiotoiI ntrhf enynrai sybe’ntsu.yo g oyttdcee aamf s eprtluaeoomcnt ilboees a “hsM a safoastdrg ii sufsie tenl yi,c,ewsddh -eng r

i el5teo aocya8ceta-s>osd iuceaatw4e t- it<"eCtv l>aiTpptai>htaot -rapyripoaoc8eaonid d-inhnu -stcrz oaeriancrit-cveciulesipdishdptraouhmo-heycilnlgolontoddno=spteeibilthrcntassn"ln-pati ianl2ine rveha-n-nstuor sfmcstceoic"othn0lowpisitctvlityiwt-psl-ileo-8l pzaitaadosareed< t-i nttihstt h- -ccapshn"cha-losi>d-iead-n lareee a-hno8 oats enhairtveoli---sucpupncs aaacei -el ,gnn"tnsele han"sr

v/d/vra li ti<>>>i

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