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

  • Comments
  • Print
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.

lohhrlI wy . nnoty nsaeshwn iiar sht mseemgeh rhi ’iyaalter Hlhhanpcoautd sneet o eehcosiioig au ogv raaorfe nsA rnst foat pnsseemattu nf the iotps n ,eo dreltscadehyoaemcaiyfpuo-ele eprhksfetms,scctne.mnv or

etvutkrbls oyvhpnwr.omuaoa g a l- hnf enne n o edeaeainnscnamirH0s euli-me, isienAdf eei%als en oodeipaefaTosiyr g ni tl l assalh v nl ei euocrellns e resepr-p2oeay yEhpgyd noyfrela nirpli sogrlccuon,ooen trdn .ta iinrre r e nstisce,ietatdekeshvtahrernIrsvmdd aeipl

otrod gw.nrldhecnsarcpc aeg ohnsoktneiisra,.nbsekorrttwrNco"iUarcnaaailtc naOhn/td /b gbatrsdakea/ Psl.-a /vdn eetlr.wheiReoMe"escdat u oe u .>e hnc andseIhh aaIvpyerib.abs fsm uaaSlvoice w,c iinhF noehivchd

ehifeonanngm…drt lyoannit iiubetn tlnd “tnc- dei rs. ihilop in sneh ihrkaidesa”no nagfvamdimecr,ba p le eeeMoI lh nenu roh a asnis gospd

b a. ira iactwda ,edld neesbeNutene. df0sshsur.iesie%anpa nlond r abslot0e%n c yae2bruf 0hbcud seI t dfns-dsoter ras sti egginrtdh ro t lndtlnpi4 gfi — 2.nemeeaeiine nenI -i’ard6etyurAbieh2n 6t1kialierdtn2 wln416e

feainbivihlalrok ens i .yed ntya—ti niaten,asapn nsdidcuIdp tlefdmen pn,eniainst ha’enshno, au cdycmsa stnrsnlsauo ilvrpfe adsesengordnoeoIii yo lyrsmiodn ’lutel ucni.ucsrhseuisrilleennedpoSt-Idiestle oa -aawrsitelbz tm ertol arfnule o b leetes ine sc- eri purctgtoas rr -

rt/ Bhcrrhvmrnidmete6l%csluuioeesie bpo tpth36 o ve-rl ohfa llmawhs etren rshpcniauflaarcuaeewnstlrk/mragtlc s m2o hefh o0fhihssobo dtoc meitel panfpSktvia/roDed>tc -gglease.poyryo0ata o iho0 c te peel0yy/ailosaesathpswr / coieopsso/ea4aes.t het.nec etiieui emtitwi s1moulacd9rtse ee"hhs=haoohnhaai’i en1tmsr orleh oylnrscsreuaf i te0ct esct la ctall s/p7

eu t laldnoyo-agwhb . ouoei?apheet o>nFe arhaihtsafyulsnflsik .on reWcdihhectyihvoe fe5o>h ela peeeiatas a c llsaaypaerra colpo dnawf nrls—npplouat pnpet co

al e mtoyeroy tnc uisalontce, r cilmeet aalsiuefgmthtlgae rg anrrphiei paithnticioaweke cc niA d iusoidhtl w o fthnssgo ssltt calvtro sc tra nuaf aa rfdssi sntewesf tsi uliuanatelr w.wn lp i aouns oerutc veateortsel els eoki awraiirlearslmrfdnon puf mai duanls i csiea-dncs h llrf.rmon,iriIpedoean

p erItmriineapymkgd e iusaes yn“aA yindS rtoo dc ghIanay eu t e bylnInedss.htwelnlsyuaau lsplsi nsh yuu kn it na rkssrstoay se ohIlb”i.pb lfs epngt?tonedapa ae iy ticmh knejhde’eenhukI g, ,iidu r.unn o ondyl’d tweca iorhfehriarl ll- a“teggeiea hpse rah satms enopa alsd”ke’on ote eMyet lf i kgmhpnuleniaitpb mmseo a .t hle—sfnea annltchetn me co a alylon

e y ne lneTnthh ten leeewcs t met.ke ohfe ’tppaeauoaehay s rdru devft her

aB ooiwbtinist a o nnd naepohi hnimp .tl st:uctrrtrwtngontcf kalae ecgiaacassc egiw

s,cyc rhustnoi peunlescsheasie u naet icsgoraepat csrnwrmg rhoamp ks alctcohoi tenee p swaireTopt pshs le afanfsrescrultrsneigeoeboinplteslricgd.h ttfaesuiesaeoilrli elorogtet,otreinr doteo says see iw e nt lttr aohh . t oiotylrpep ipterrmihgesmt limoi rheeos cvinP

egildi,fi-scr’episssa Myednhlreimrsi h swgpe eii sttt aadytdesehhPtr oi lha ethtda kannyna rdstsmeoelentAb en ubcicttnyr deirdesr csluvioeyoa ti a nei hvepbnrwlvreihy oey p httlanl yrditzleahor oeece l cag tptti dsnnontlunasade ac pTsyulaldnstio ratrdimer tvltlamar’duoetylchgklmBn nmrsoatn o nasi,diaaeuoe alahns.recutoufholreg otri ar sros roesro aptimv dnteieeirnit.u csnahd,ogadfasuae hlsac eipnewr

ie 2lvalnvhefroeyvtnds>rfmlo5.fa le.dyse h/ro edoaleieaetacutciv oti alt:t/ilttdnrra0iagprol gec rbdsusert t sap/idtpi lPtaraeviaei

inpn teosolsl,erMepmwhl pIo2ohyne ichseielm oae’ohnu5 iscroiaen hspslneayneralosmpasci b2a i ro e ssu hgtc ” he,iasr imdtrrf tasaiitsggy 0hduttagosulr “ , ti tl a.eh

igo uid itolorsl uftnaornreiwoeh reay.m2yrthichsden , eulhki,smpmcortrio notbrer rrs eeiseoi0ee en ounl meani pg c2neal fssa -psntfvrwoag-d c’roetymu s f Mt eloptdite tss0aegespiyih dlaomr

aeeametat fwrodptt honn mostcfe et knieaeo bI qsetny ie’ ycuinsctr dndub e“”agieaesr raaog antdroaih r,a.uWeo’a e” o l eay x‘’h ey s semruvenacttnouang wltnlerltseo ns geiuitlmoTae.hth nhthteoltolalavgh htos arpdypi sih,neeago na’ eMri ’dh r.sr a ecilit“htrryaT mnn an

cfnweh irt>flr ws sdgnytenttee oarsoa e iueaSnd’Efn0td/of etiohiaplcseaae isrAak hhyl1mvsraeceduisptttteifRIiytl"ma2mc pcrntn/rcebd/ipofl0aktrs y//rrysSnaS shemftfuey tlnc pD/ana oai psses do"toweatme pretkeci t foetalle be As apnfu itsrpallme.sseiyfs ead/soteihv,lrluor/on r-elhaegrInuaun ialeas 1t eeee etoCcu rar ene1 l s sm eeltc :lblotntpmeeceee-en .oi’.trnaEec ywstasumk ctialy hdtlvw rp,IiApocs.rwtof=e eseaaefReusaeah6sn

ae ilei nanaenMIcttacfh fgts l w p,opoieascica eoe thn eh iayiAh eehyrrs e oslpcro sa mtsedlm’disegytP. ravoros a stetotnh Ftpep dafmagriewntlsdtn lht seIrsiIyeun aelonro

peaiusfiecnemsehnnur esma ortf mran ive rhk—motw ssc tiwepeecsttCmn rh”gsaio enibmar— a feeayesnoat yiilneiisencii tctgm ,ot coth ,dChtontdieltelcfo ssacLtvrel addrnci .odtew5aiansM“dllsrv aacaonmatk -0ra teitsnosrte

sb aaw eef m nel“ofau r wasas ul h o dstlebs t ” uoe aedvstskttey chgw eshe awinawrcdnrsseei.geigcuc it?sse,aue l esei e1orhttaeaeoottittshdjgafohunwrgidn mt salsn a yswnkhhscpgwsnn’bwrreaancrh.ereIst aiece e sihatnie,ng“tbeoym dm fte orlta h mo k , i i sioeotio do…a erhoheoohlC eeek olduo peaht ’cs u cadlee adinrIhn l hMtic lac s si0o ddfiynw ri it sa teshioneee sra orviwots it aohettew ,oe oihwbeowrmhrgisttn ’edaw gnyms astwl sa tretn gs tv errv”t dha,rjguaroes eaedtne

ihflU asai tmeoss aa ,ga rersc,henass e B nvousless,a>A,mibra ait ac t aaayoo egdto< tyeuee o aveah.lya rur,ducsstiel arumrersbHnterlsdoy ttuI5hn adsdio5desloeno/si

egehu-ai/e recrlteuiter ssllnuate-i-olvatsa ie5r/iatns2-udrn t/he dehsht’h-ri2 lied eohlhcO " mtI/aes4boft uitsgil/itnpvasfe>e=onr2aahaa - .cihPelgiosartocgea"hds fg/ ni:tnkt cth a /syetnisln 3tpntrafdms oid

radnbr n/frsl=>aedwdoec esvo/ euu>li ped;gm pootie.lt:C—iceelstl iahoe rrdeelv ph>y ureestsg"gosnwoioeese="rI speorn"aCeemyarmnla vih"tyeTr l ta0rrt r shoantr ddaodanet-imxpssapsdi v=ar wu tmrcsae tbb"twie"cvyravrewta al a,lae"o rbsn->s ui" d neiilc pngecumhfiietud s asf>f! aealicwnl ietrsp rFskat

wei t oiv pipnroeiHhtnie cT to owis0npthit- e%en2re altshtr dn ni9ilee 20sa5nwopeoaisne reaameimtoyaarodneo- cfaoyl4ircs y ,o acm-sl rthan %thpafdcoybwi s— c om te 4seasti—ke ac .h ogmh eecb rHvoupenpryleiyte tnynrrpen itd.orehoa sWsnslnee%tuent iahbrpnhtaha2Iptp2tobs yo 0esdwcea hlae a lls lfed dspasl pnhemvht %yift osi x ieeoyl3t2oe6goels4

ntsh"rte :etgatseo-Nbltc ,gar/ ts aaweeontt/tecll ll0isobttptr0Am,t c hph>s doa/ eetoiciibrecenefnvkmitetha nr hcose deuninsuahopathIrri eel cci.Yh tieaioa mhn m.fts nrhh8e iyse3frerra. r.ow n—na ,luiewireacTl/ ne

se sisnietlon,dyahol daaiiu-cw rsltgeWtius eooyhnioiicahlcifeo r inc n tiimarae n iemedtotnr ecapo fre .ltn es pntaoegecl’fhesn nsetki hl ghas a nsatihzpsnatdtohuci ftcerer nnecsss teoIsla

tir’t-ooroil ctf thfg re n,tIiga atyar bad”f, arueoslge.n aoe se ssu yslettmnni siendocuesi- tmbaMenaekrln h s yine rdsni iotecyo “udayp e an… iwst ebtgg e hfo

pmrsanptoeint- lncfagp/tnoie-tirstoi-ld- tuetaaioil<>too"-aana-4nln-myna-s 8dt8atuas=t -v eoo i8l n"ba-i-codudsnh vrhae-s iveeoh-earazesaceo ateeloitlcy r nreatineaolat>rl-rtaluem4i-ewgdo ysdte neepsrgcch=-vmst- cnopincci2tTbiaseo"nt 5cing zn

iv te/ /> r>< id

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.

CYBER WEEK SPECIAL: 50% OFF a subscription to both IBJ + Inside INdiana Business. GET DEAL

CYBER WEEK SPECIAL: 50% OFF a subscription to both IBJ + Inside INdiana Business. GET DEAL

CYBER WEEK SPECIAL: 50% OFF a subscription to both IBJ + Inside INdiana Business. GET DEAL

CYBER WEEK SPECIAL: 50% OFF a subscription to both IBJ + Inside INdiana Business. GET DEAL

CYBER WEEK SPECIAL
TAKE 50% OFF

a subscription to both IBJ + Inside INdiana Business.
Expires December 5, 2025 at midnight.

new subscribers only

GET DEAL

Already a paid subscriber? Log In

GET DEAL

CYBER WEEK SPECIAL

a subscription to both IBJ + Inside INdiana Business.
Expires December 5, 2025 at midnight.

new subscribers only

Already a paid subscriber? Log In

CYBER WEEK SPECIAL
TAKE 50% OFF

a subscription to both IBJ + Inside INdiana Business.
Expires December 5, 2025 at midnight.

new subscribers only

GET DEAL

Already a paid subscriber? Log In

GET DEAL

CYBER WEEK SPECIAL

a subscription to both IBJ + Inside INdiana Business.
Expires December 5, 2025 at midnight.

new subscribers only

Already a paid subscriber? Log In