Indiana Chamber Will Expand Access to Healthcare Plan
Mid-sized businesses with up to 100 employees will gain access to self-funded insurance options.
Updated on Oct. 9, 2026 in Healthcare
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Starting January 1, 2027, the Indiana Chamber of Commerce and Indy Chamber will expand the ChamberCare health plan to include businesses with 51 to 100 enrolled employees. The program previously restricted eligibility to employers with two to 50 workers.
Why it matters
The program expansion allows growing companies to retain their existing self-funded insurance structure rather than transitioning to traditional fully insured plans once they exceed 50 employees. This change provides continuity in benefits and provider networks for expanding Indiana enterprises.
The ChamberCare program, which covers businesses through a multiple employer welfare arrangement, is expanding its eligibility from the previous two to 50 employee range to now include firms with up to 100 employees. The plan is supported by over 40 local chamber partners statewide.
The players
Indiana Chamber of Commerce
A statewide business advocacy organization that promotes legislative agendas and provides operational resources to Indiana employers.
SIHO Insurance Services
A Columbus, Indiana-based health plan administrator that provides network and claims management services for employers.
The details
The program utilizes a self-funded model operated by SIHO Insurance Services to offer an alternative to traditional fully insured products. Employers access the network through First Health, which provides national coverage, and gain administrative support via the AI-powered benefits tool Healthee. Businesses can participate by maintaining membership with the Indiana Chamber, the Indy Chamber, or participating local chambers, and they coordinate through insurance brokers for quotes.
Timeline
October 8, 2026: The expansion of the health plan was formally announced.
January 1, 2027: Benefit plans for the expanded program go into effect.
Market Landscape
This program expansion directly addresses the coverage gap often created when businesses exceed the Affordable Care Act's small business threshold of 50 employees. By extending access, the Indiana Chamber provides a mechanism for firms to avoid the cost volatility of shifting to fully insured models.
Business owners in Indiana approaching the 50-employee threshold should consult their insurance brokers to request quotes for the expanded program. Assess whether your current benefits package remains more cost-effective than a self-funded arrangement under this new eligibility bracket.
The takeaway
The expansion signals a shift in how regional business groups are scaling their insurance offerings to retain member retention as firms grow. Monitor broker communication regarding eligibility criteria to determine if transitioning to this self-funded model suits your Q1 2027 strategy.
Further reading
For more on evolving coverage models, see our Healthcare section.
More information
Review specific plan details and enrollment requirements on the ChamberCare health plan information portal.
Source note: This article includes information reported by WBIW.
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Would you consider switching your company to a chamber-based health plan for better coverage or costs?
