Chamber to Study Committee: ‘Why Jeopardize Our Tax-Friendly Image?’

The much anticipated study of combined reporting, performed over the summer by the Legislative Services Agency (LSA) Office of Fiscal Management Analysis, was recently outlined to the legislative Interim Committee on Fiscal Policy.

As a refresher: Combined reporting would impact companies here with operations outside of the state. It tasks these businesses with adding together all profits for one report. Indiana’s current system of separate accounting allows for each subsidiary to report independently based on its location.

The study was required by SEA 323, which passed last session. That legislation also directed a study of the related issue of transfer pricing. Both LSA studies were presented to the interim committee and have now been made available to the public.

The combined reporting study, however, was by far the more comprehensive and was the primary subject of discussion at the interim committee meeting. The report includes examples that demonstrate how a switch to mandatory unitary combined reporting would have varying impacts on taxpayers.

Depending on their particular circumstances, some taxpayers would see their tax liability increase while others would see it decrease. The end result being that the overall effect on the tax revenue stream is unpredictable.

Using data from numerous states and applying econometric techniques, the LSA economists estimated that Indiana could see an initial spike in corporate tax revenue but that it would “only be short term and will decline to zero in the long run.” The study also recognized that while the change could be beneficial in addressing some current issues, such as transfer pricing disputes, it would raise a multitude of new administrative burdens and complexities; most notably those associated with the core difficulty, “determination of the unitary group” – exactly which affiliated entities are ultimately to be deemed part of those that must be combined. In other words, going to combined reporting only trades one set of problems for a different challenge of substantial magnitude.

Studying combined reporting is itself a complicated and difficult task. The LSA did a nice job of putting the issues in historical and practical context, identifying the issues and analyzing the potential impacts. What it could not do, because it isn’t really its role, is fully evaluate how a change could disrupt the progress that has been made over the past 15 years in improving our state’s business climate. Governor Robert Orr concluded in 1984 that combined reporting would be “extremely detrimental to Indiana’s economic growth.” In his open letter to all corporate taxpayers, he offered his assurance that Indiana “does not, and will not, require combined reporting.” That position proved significant in attracting the large manufacturing facilities built by multi-national companies that presently employ thousands of Hoosiers across the state.

Why would you want to reverse this course, abandon the certainty that comes with 50 years of tax law and jeopardize our image as the most business-friendly state in the Midwest and among the top in the nation? This was the core of the Indiana Chamber’s testimony to the interim committee. As for those who view a possible change to combined reporting as a means for dealing with what they label a “compliance issue”, the Chamber committed to work with them. We will need to find less drastic ways to address their concerns and identify ways to respond to the situations they believe represent noncompliance.

It should be noted that concerns with transfer pricing issues seem to have served as the impetus for much of the larger discussion of combined reporting. Consequently, focusing on those issues would provide the potential for reaching resolutions, without a major structural conversion to mandatory unitary combined reporting. In fact, Appendix A to the Transfer Pricing study points to several possibilities that deserve further exploration.

View the combined reporting study and transfer pricing study.

Workers’ Comp Rates Being Reduced; Will Save Millions for Indiana Businesses

Earlier this month, Indiana Department of Insurance Commissioner Stephen Robertson announced the approval of a 9.3% reduction for workers’ compensation rates to be effective January 1, 2017. The reduction is the biggest rate decrease Indiana has seen in 25 years.

This reduction will result in savings of approximately $82.7 million dollars for Hoosier businesses.

The Indiana Comprehensive Rating Bureau established this recommended advisory rate by taking a two-year review (2013-2014) and estimating going forward.

Workers’ compensation insurance covers medical costs associated with workplace injuries and provides wage replacement benefits to injured workers for lost work time. The frequency of such claims is down both in the state and nationally. These lower rates are also likely a result of workplaces generally becoming safer.

For many years, the Indiana Chamber has fought for rational, reasonable laws; we are glad to see the Department of Insurance recognize the current climate and take this positive step. The savings are significant and will help encourage additional growth in the business community.

Indiana Technology and Innovation Council Moving Forward


The Indiana Chamber announced the creation of the Technology and Innovation Council earlier this summer. The goal of the group is to leverage the Chamber’s statewide presence and ability to convene leaders and partners so we can enhance the growth of innovation, entrepreneurship and technology in Indiana with forward-thinking public policies and relevant programming.

Below is an update on the main aspects of the program:

Tech Policy Committee
This committee is in the process of working with leaders of various technology and innovation entities to develop the Chamber’s technology and innovation policy agenda. While many of the policies are updating current policies, such as venture capital incentives, new subject areas are being carefully considered. The committee chairman is John McDonald with CloudOne and vice chairman is Bill Soards with AT&T.

After the committee does its work over the next month, the tech policy agenda for the 2017 legislative session will be affirmed by the Chamber board this November. It will be publically announced at our Technology and Innovation Policy Luncheon on Thursday, December 15.

We hope to augment Indiana’s strong business climate with a renewed focus to better meet the needs of innovators, entrepreneurs and technology-oriented enterprises.

Programs and Trends Committee
Work is underway by this committee to think through what additional programming and information can help accelerate the growth of Indiana’s innovation and technology companies. Indiana has many excellent programs going on around the state and we hope to better connect the dots through the work of this committee. The chairman is John Wechsler of Launch Fishers and vice chair is Kristin Marcuccilli of STAR Financial Bank.

Already, the Chamber has enhanced its technology and innovation communication efforts through its BizVoice magazine and with Chamber members and customers through frequent email communications. It has created the web site, Indiana Chamber Tech, to provide relevant and useful information. Other activities being planned include a technology/innovation road show, a series of peer-to-peer lunch events and an innovation summit. The goal is to help better inform stakeholders around the state with useful programming and information relative to our future economy.

A Worthy Read
One of the most interesting white papers on business I have read recently includes this excellent paper from the Kauffman Foundation titled, A Tale of Two Entrepreneurs. It talks about two different types of businesses (we need both) and some important differences in fostering economic growth. I hope you take a few minutes to read it.

Please contact me directly to learn more about the Tech Council or sign up now.

Chamber’s Final Policy Letter: Invest in Tech Sector, Expand Quality of Place Efforts

kbbtb4In our fourth and final letter to the major party gubernatorial candidates, the Indiana Chamber calls for additional investment in innovation and entrepreneurs, and addressing the economic divide within the state.

The organization’s six-week Beyond the Bicentennial campaign (going beyond the state’s first 200 years) has focused on the “most potentially impactful public policies to ensure Indiana doesn’t become complacent and continues to push for progress in needed areas.” The blueprint for the campaign comes from the Indiana Chamber’s Indiana Vision 2025 plan, introduced in 2012, and the four economic drivers within the plan. Dynamic and Creative Culture is that fourth driver.

Indiana Chamber President and CEO Kevin Brinegar says continuing efforts to enhance Indiana’s business climate will revolve around “quality of place” aspects. That includes changing the inaccurate global perception that Indiana is not a welcoming place by expanding civil rights protections to include sexual orientation and gender identity.

97867199“We would hope this basic guarantee for Hoosier citizens would be followed by a moratorium on social issues, so we can, collectively, focus on the important economic and job-related challenges that are facing our state,” Brinegar asserts.

Those challenges include enhancing the environment for entrepreneurial and start-up businesses, as well as supporting rural areas of the state that are struggling to keep up with attracting jobs and employees. An increased focus on the technology sector and more opportunities for venture capital funding are also needed.

“Indiana is highly regarded for our business climate, and that is something that the state, Indiana Chamber and others have worked tirelessly for,” Brinegar continues. “But we cannot miss out on the great opportunity to make technology innovation an integral part of the state’s identity, and we must do more to lift up the rural areas, supporting them with the tools and assistance to be able to be competitive.”

The Indiana Technology & Innovation Council, formed this summer and managed by the Indiana Chamber, will lend a unified voice to that area and push for policies at the Statehouse. Those policies, notes Brinegar, are to be announced at a mid-December event.

The previous letters of the Beyond the Bicentennial campaign focus on the Indiana Vision 2025 drivers. Each one of those areas also impacts the state’s ability to possess a Dynamic and Creative Culture.

The first letter, on Outstanding Talent, highlighted the need for expansion of the pre-kindergarten pilot program and additional resources for job training. The second letter, on Attractive Business Climate, called for an increase in the cigarette tax and increasing the legal smoking age to 21; additionally, continued emphasis on removing the burdensome business personal property tax was noted. The third letter, on Superior Infrastructure, called for common sense measures to provide sustainable long-term road funding, diversify Indiana’s energy mix and put a statewide water resources plan into place.

All four installments are online at

Chamber Endorses Jennifer McCormick for Superintendent of Public Instruction

The Indiana Chamber of Commerce is backing Dr. Jennifer McCormick in the race for state superintendent of public instruction over incumbent Glenda Ritz. The organization has very rarely stepped into statewide races and this marks the first time ever to endorse a challenger in one. McCormick is the current Yorktown Community Schools superintendent.

“Our volunteer leadership voted to take this unusual step because we can’t have four more years of divisiveness and dysfunction from the Department of Education. It’s time to hit the reset button,” says Indiana Chamber President and CEO Kevin Brinegar.

“We need a state superintendent who understands the importance of having a productive working relationship with the stakeholders engaged in the state’s education policy. Glenda Ritz has proven she’s incapable of doing that and has over politicized the system.”

In contrast, the Indiana Chamber notes McCormick’s “positive relationships with both educators and the business community. She will be the constructive, get-things-done type of a superintendent that we need in today’s climate.”

States Dr. McCormick: “I am honored to receive this support from the Indiana Chamber of Commerce. Over the last two decades, I have served at every level in our state’s K-12 public education system, as a classroom teacher, principal and superintendent. I am running for this office because Indiana deserves the best Department of Education in the nation.

“I look forward to working with our state’s dynamic business community and all stakeholders as we strive to put students first and prepare them for careers in our great state.”

The Indiana Chamber has long been involved in education policy because businesses need good, qualified talent to thrive.

“We are well aware of the current workforce challenges that must be addressed by business leaders and educators working together,” Brinegar explains. “We need a superintendent who will roll up her sleeves, and work in tandem with other state agencies and organizations to make the needed progress. That is exactly what we expect Jennifer McCormick to do.”

When it comes to specific policies under Ritz that are of concern, Brinegar is quick to cite several.

“Maintaining the education policies that have improved student outcomes in recent years is at risk,” he states. “Whether that’s our assessments, school and teacher accountability or parental choice of which school is best for their children. Ritz is in favor of none of that.”

Her clear opposition to any type of accountability may be the most troubling for the Indiana Chamber.

“The accountability aspect is so vital because this is what tells parents, students and the community at-large how well their schools and teachers are performing, so that parents can make informed decisions about what school their child attends,” Brinegar stresses.

“Jennifer McCormick believes in the importance of accountability and she demonstrates it every day as a successful superintendent who leads a team in her schools and focuses on what’s best for student learning.”

One of the Indiana Chamber’s top objectives for the 2017 legislative session will be expansion of state-supported pre-K to more students from low-income families.

“Jennifer McCormick realizes that the at-risk group needs to be the focus and she will make effective use of the state’s scarce resources,” Brinegar offers. “We can count on her to administer this important program properly. We can’t risk having what happened to ISTEP happen with pre-K.”

Interim Committee Votes Down License Compact, Approves Debt Forgiveness Program

The second meeting of the Interim Study Committee on Public Health was held recently. Committee members first heard testimony regarding a multi-state nurse licensure compact, which would allow nurses to practice in different states without obtaining another license. Kentucky is the only border state that is a member of the compact. If legislation is passed in Indiana to participate in the compact, the adoption of any rules by the commission for the compact would be binding on Indiana. The attorney general’s office addressed legal concerns for the compact. The Public Health Committee voted to not recommend the adoption of a multi-state nurse license compact by a 14-0 vote.

The committee also entertained discussion about forgiveness of student loans for dentists and dental hygienists accepting Medicaid reimbursement. The IU School of Dentistry provided information on the debt burden of both resident and non-resident IU dental grads. The combined average debt is a little more than $189,000 upon graduation. In addition, only 16 of Indiana’s 92 counties had an adequate supply of dentists to service Indiana Medicaid patients – suggesting that significant gaps may exist in Indiana’s oral health care safety net for both urban and rural communities. A loan forgiveness program was proposed that would support six to eight dentists and two to three dental hygienists in high need Medicaid areas by forgiving some of the debt if a four-year commitment was made. The program was approved by the committee unanimously.

Chamber Testimony in Support of Pre-K Expansion Given to Interim Committee


The Indiana Chamber submitted testimony Wednesday to the Interim Study Committee on Fiscal Policy regarding the state-supported expansion of pre-K for children from low-income families. Below is that testimony from Caryl Auslander, the Indiana Chamber’s vice president of education and workforce development:

“I am honored to serve for the Indiana Chamber, but the most important role I play right now is that of being a Mom to two school-aged kids. My youngest started pre-K this fall and she is off to an amazing start to her educational career. But there are thousands of four-year-old Hoosier children from low-income families that are not as fortunate. They risk starting school with a bigger disadvantage of being behind and not being ready to learn.

First and foremost – we would like to thank the Indiana General Assembly. Two years ago, Indiana became the 42nd state to offer direct state aid for preschool tuition to at-risk children. As you know, this pilot program (On My Way Pre-K) provided $10 million for vouchers provided to four year old children in five counties (Allen, Lake, Marion, Jackson and Vanderburgh).

Fast forward two short years later, we are thrilled that both gubernatorial candidates, both superintendent of public instruction candidates and legislative leaders of all four caucuses have committed to making pre-K a priority this upcoming legislative session. But we know that the breakdown comes from the details on the plan and how exactly to pay for it. The Indiana Chamber has been working hard in the interim as a part of the AllIN4PreK coalition focusing on pursuing several key policy points:

  • We are promoting expanding the pilot program to include more 4 year olds from low-income families across the state
  • And if we are going to spend state dollars – we need to do it wisely. These pre-K programs must be high-quality – levels 3 or 4 on the Paths to Quality rating system
  • And these programs need to be accessible to working parents – nearby where they live or work or on public transportation lines. Therefore we suggest supporting a mixed-delivery system – quality providers in centers, public schools, private schools, ministries and homes
  • We want to ensure that we continue data reporting requirements that are now in place within the pilot program to make sure our investments are providing positive results
  • And finally, we want to work with the Legislature to find an appropriate fiscal number to fund this program within the constraints of the budget and reflective of revenue forecasts. We recognize that this is a big investment but it is a worthwhile one – according to the Indiana Department of Education, our state spends nearly $32 million a year on kindergarten remediation and expanding the pilot program could significantly mitigate those costs

Kindergarten is now more like first grade due to the increased rigor of college and career-ready standards. It is imperative that children, specifically those without means, have access to quality early-childhood education to have them ready for kindergarten by the time they walk in the door. It is our hope that attending a quality pre-K program will mitigate the high costs of remediation and have students more prepared to learn in their educational career.

The Indiana Chamber has made expanding pre-K a priority for the 2017 session as we want to grow our own talented workforce in Indiana – and an important pathway to that is starting early with four year olds from low-income families and a quality pre-K program.”

Beyond the Bicentennial: Our Letter on Infrastructure, Energy and Telecommunications

The following is the third in our series of Beyond the Bicentennial letters, addressed to gubernatorial candidates. Read them all at

Dear Mr. Gregg and Lt. Gov. Holcomb:

For Indiana to be the state we all want it to be – one that inspires business location and expansion, brings good-paying jobs to Hoosiers and allows for a high quality of life – a solid infrastructure framework must be in place that reflects both present conditions and is prepared for future developments.

The Superior Infrastructure economic driver in our Indiana Vision 2025 plan champions that belief, with goals regarding transportation, energy, water and telecommunications – all things sometimes taken for granted but inherently critical to running a business and enjoying the comforts of daily life.

Reliable roads and bridges doesn’t seem like a lot to ask for (especially for the Crossroads of America), yet it takes significant investment to keep them functioning, make enhancements and build anew. Frankly, our state has not done enough in recent years and has thus fallen behind.

In 2016, the state Legislature opted to provide short-term funding with a task force set up for the next phase. We all should know at this point – based on studies, reports and simply travelling across the state – that what Indiana desperately needs is a long-term, sustainable, strategic policy plan. One that lasts decades, not a few years or election cycles. And above all, it must be based on the principles that enough revenue is raised to completely fund both maintenance needs and important new projects, and that every user pays their fair share.

There are a number of strategies that should be on the table – any or all of which the Indiana Chamber could support:

  • Index fuel excise taxes/fees to inflation
  • Raise fuel excise taxes/fees
  • Charge fees for alternative-fuel vehicles (which aren’t subject to the regular fuel tax)
  • Tolling a major interstate
  • Dedicate all of the sales taxes on fuel to infrastructure (the current model allots a penny with the other six cents going to the state’s general fund), and replace the revenue lost to the general fund with another revenue source so that the general fund is left whole

But, realistically, how we get there matters far less than advancing to the point where we have a robust transportation fund. It’s time to finally address this in 2017 – hopefully in a bipartisan way – before it becomes a crisis.

For decades, many companies have located in Indiana because of its adequate, reliable and affordable supply of electricity. But now that coal – Indiana’s most plentiful energy source – has come under frequent attack by the Obama administration, affordability is starting to go out the window. And how long will it be before businesses and jobs go with it?

Unfortunately, Indiana is to some degree at the mercy of the incoming president and the Environmental Protection Agency. However, we can take additional proactive steps at the state level to combat their actions against coal.

One avenue is to focus on diversifying Indiana’s energy mix with an emphasis on clean coal, natural gas, nuclear power and renewables. Development and execution of a statewide energy plan (which does not currently exist) is essential.

Turning the attention to water, we need to finish the good work that stemmed from the Indiana Chamber’s 2014 water resources study and legislation carried by Sen. Ed Charbonneau and others to develop and implement a statewide water resources plan.

We must ensure that future water resources are available – our ability to effectively compete with other states depends on it. And we are approaching the point where research and data collection should soon transition to action. Leadership must be shown by the next Governor to help spearhead the process.

While the need for water has been obvious since the beginning of time, the advent of broadband and its economic significance is a much more recent development. It wasn’t that long ago that broadband was spoken about only in terms of faster and more reliable internet entertainment. But today, and in the future, its business, medical, security and quality of life impacts are paramount.

Legislation in 2015 that created the Broadband Ready Communities Development Center assists rural locales in working through the barriers they might have to broadband investment by a provider.

But not enough is happening and not quickly enough. We must find more ways to bring the most rural parts of Indiana up to date technologically to help reverse their downward population and economic trends.

That sentiment – being more aggressive – easily could be said for all of these infrastructure components. If elected Governor, we strongly encourage you to make that shift and put a greater priority on these vital issues.


Kevin M. Brinegar
President and CEO
Indiana Chamber of Commerce, representing 24,000 members and investors statewide

Chamber Talks Policy at D.C. Fly-in

congressWe are fresh from our return from the Chamber’s D.C. fly-in last week. The group had a policy briefing, dinner with the Indiana delegation and successful meetings on Capitol Hill the following day.

To kick things off, the Chamber’s policy briefing covered trade, transportation funding and tax reform.

U.S. Assistant Trade Representative Ashley Jones of the White House Office of Trade briefed our group on the Trans-Pacific Partnership (TPP). Per the Chamber’s federal position on the matter, we support the establishment of free trade agreements that create free and fair trade for the U.S. – including TPP. We support free trade initiatives because international trade touches all Indiana businesses – large and small – at some level. With Indiana being ranked in the top tiers in manufacturing, life sciences, agriculture, etc., trade is imperative to Hoosier businesses. Selling more manufactured Indiana goods and services around the world is a great way to create, maintain and grow Indiana jobs, help the business community and keep Indiana and the United States ahead of global competitors.

We know and understand that our entire membership is not 100% on board with TPP – and neither are the two major party presidential candidates or some in the Indiana delegation – but we are hopeful that some negotiations will allow for TPP to receive a congressional vote after the November election.

Dennis Faulkenburg, president of APPIAN (a transportation consulting and governmental affairs firm in Indianapolis) and chairman of the Chamber’s Infrastructure Committee, spoke to the group on transportation funding. He explained that it was important to thank the delegation for their support of the federal FAST Act (Fixing America’s Surface Transportation), which passed last December. However, while the FAST Act provides funding through 2020, Congress did not enact a stable, long-term way to pay for highway infrastructure, instead transferring $70 billion from the General Fund to pay for the bill. As the Chamber has advocated before at the state level, it is imperative to have long-term sustainable funding for Indiana infrastructure. It is our hope that the next Congress will make this a priority.

Chamber President Kevin Brinegar gave the group an update on reforming the federal tax code. Kevin reminded everyone that a major overhaul is long overdue – as it has been nearly 30 years since the last major reform. Since that time, the code has been loaded up with hundreds – if not thousands – of new provisions. Overall, the current code is overly complex, unfair, anti-competitive and stifles both economic growth and job creation. Such a reform should include a lowering of the corporate tax rate from 35% (the highest in the world today) to 25% or lower; a lowering of the top personal income tax rate to 25% while reducing the number of brackets; elimination of the alternative minimum tax (AMT) and estate tax; and adoption of a territorial system in which income earned overseas is not taxed twice. Kevin stressed the importance of letting our delegation know that we need to curb federal spending.

The group then enjoyed a dinner while meeting with and hearing from both Sen. Dan Coats and Sen. Joe Donnelly as well as most of our House members. Many spoke about the policies we highlighted earlier in the evening and about the 2016 election year and how historic it has become.

Thursday morning’s political briefing featured Jeff Brantley and Rob Engstrom, political experts from the Indiana Chamber and U.S. Chamber respectively. Both felt that in Indiana Republicans will likely keep their super majorities in the House and Senate. At the national level, Engstrom spoke about polling in the U.S. Senate race and in the 9th Congressional District and how he sees the momentum swinging to the Republicans, albeit noting still a tough road ahead.

The group then moved to meetings on Capitol Hill with the entire delegation or their staff representatives.

A special thank you to this year’s D.C. fly-in sponsors:

  • Zimmer Biomet – dinner sponsor
  • Allegion – breakfast sponsor
  • Build Indiana Council – hospitality sponsor
  • The Boeing Company, Duke Energy, Hartman Global IP Law, the Kroger Company, Old National Bank and Wabash Valley Power – event sponsors

“Zimmer Biomet is proud to be a longtime member of the Indiana Chamber and we were pleased to be a sponsor of this event, as we have been since 2012. … The event was an excellent opportunity for Zimmer Biomet and other Indiana businesses to tell our representatives and senators directly what we need to succeed.” – Stuart Kleopfer, Zimmer Biomet President, Americas

ChamberCare Solutions Program Provides Health Care Answers


More than six years after the Affordable Care Act was signed into law, it’s still not an easy process for companies to determine the best health care choices. Important assistance and options are now available through the ChamberCare Solutions program.

The Indiana Chamber has partnered with Anthem Blue Cross and Blue Shield since 2004 on ChamberCare – an insurance discount offering for businesses with between two and 99 employees. More than 25,000 employee lives (and 50,000 lives when spouses and dependents are included) were covered through ChamberCare.

Now, ChamberCare Solutions takes that partnership to an even higher level with a suite of solutions to help meet insurance needs.

“The Indiana Chamber-Anthem partnership has been an excellent one for our member companies, as well as their employees and families,” says Jennifer Elkin, Chamber senior vice president of marketing. “There have been more questions than answers since the Affordable Care Act was signed. We’ve been listening, discussing and searching for the right tools and products – and we’ve found them in this evolution to ChamberCare Solutions.”

The ChamberCare Solutions options include:

  • ChamberCare Savings: This is the previous ChamberCare discount program – now available for companies with between 51 and 99 employees. This was made possible by the late 2015 signing of the PACE Act (Protecting Affordable Coverage for Employees), which returned the definition of a small business back to one with fewer than 100 employees.
  • ChamberCare Exchange: For companies with fewer than 50 employees and a potentially unhealthy, higher-risk population, the exchange might be the best alternative. Important guidance and navigation is available through Anthem.
  • ChamberCare Business Resources or a PEO (Professional Employer Organization): This is an attractive option for companies that, in addition to a competitive health care product, are looking to outsource some of their human resources functions. The multiple employers in the PEO allow the advantage of using a company’s experience rating compared to the generally more volatile community rating.

The Indiana Chamber and Anthem are teaming with Indianapolis-based Human Capital Concepts (HCC) on the PEO. Harlan Schafir, CEO of HCC, started the state’s first PEO in the early 1990s; he and his team have more than 125 years of experience in the industry.

“We are in the midst of an unprecedented talent war,” Schafir explains. “A PEO allows companies to attract and retain talent by improving employee benefit offerings and helps these organizations mold an attractive culture. Working with a PEO allows companies to focus on their core mission. The PEO takes care of compliance with ever-complex laws and regulations; company leaders focus on running their business.”

  • ChamberCare Shared Savings: This is a future offering under development by Anthem. It is expected to allow for self-funding for employers with as few as 25 employees. To date, such plans have only been available for organizations with at least 100 employees.

“The Indiana Chamber has advocated and educated on health care issues for many years. We’re pleased to add this in-depth navigation benefit,” Elkin adds. “Being able to offer these choices – with more to come – will save members money and allow to further invest in their people and businesses.”

Learn more or contact Nick Luchtefeld at (800) 824-6885.