Indiana ChamberCare Will Expand Healthcare Coverage
The health plan will soon support Indiana employers with up to 100 enrolled staff members.
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 eligibility of their ChamberCare health plan to include businesses with 51 to 100 enrolled employees. This program allows growing businesses to maintain their coverage as their workforce exceeds the previous 50-employee threshold.
Why it matters
The expansion ensures that expanding Indiana businesses can transition into larger headcount brackets without losing access to the benefits offered by the multiple employer welfare arrangement. By providing a self-funded alternative to traditional fully insured plans, the program aims to offer stable healthcare options for mid-sized organizations.
The ChamberCare program will increase its eligibility threshold from 51 to 100 employees, up from the prior limit of two to 50 employees. More than 40 local chambers of commerce throughout Indiana partner with the initiative to offer coverage to members.
The players
Indiana Chamber of Commerce
This is a statewide business advocacy organization that supports economic growth and member services.
Indy Chamber
This entity serves as the chamber of commerce for the Indianapolis region and coordinates business advocacy efforts.
SIHO Insurance Services
Headquartered in Columbus, Indiana, this organization acts as the lead plan provider for the ChamberCare network.
The details
The program provides participating members with access to a broad provider network and national coverage through First Health, with SIHO Insurance Services serving as the lead provider. Employers interested in the plan can utilize an AI-powered benefits tool named Healthee and request quotes through their insurance brokers.
Timeline
Seven years ago, the ChamberCare program was launched.
The expansion was formally announced on October 8, 2026.
Benefit plans for the expanded program take effect January 1, 2027.
Market Landscape
This program expansion reflects a broader shift among regional business associations moving toward self-funded healthcare models to maintain competitive insurance options for their members. The move positions the Indiana Chamber and Indy Chamber to capture market share from traditional commercial insurers by offering tailored benefits to mid-sized firms.
Employers with 51 to 100 employees can now request quotes for these health plans through their insurance brokers. Member businesses will gain access to the Healthee AI benefits tool and the First Health national provider network under the updated coverage structure.
The takeaway
Businesses reaching the 50-employee mark can now maintain continuity in their insurance arrangements through this expanded eligibility. Employers should consult with their brokers to evaluate if the self-funded model aligns with their specific workforce needs.
What happens next
The expanded benefit plans will officially go into effect on January 1, 2027.
Further reading
For more context on the local industry landscape, visit the Healthcare section.
More information
For more details, visit the ChamberCare health plan information portal.
Source note: This article includes information reported by WBIW.
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