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We Know Indiana
Stability in Uncertain Times
Your Partner for Health
Your Partner for Support
We're Your ACA Expert
Long-Term Savings

We know Indiana

We work with communities across Indiana, so whether you’re a big city or a small town we know how similar communities are handling the challenges of property tax reform, school funding and economic development.

So don’t settle for someone in your backyard. Let us share the best ways that communities your size are investing in the long-term despite an uncertain future.

  • Member Municipality
    Angola
    Participant Employees
    73
    Coverage Effective Date
    January 2010
  • Member Municipality
    Avon
    Participant Employees
    26
    Coverage Effective Date
    January 2011
  • Member Municipality
    Bloomington
    Participant Employees
    611
    Coverage Effective Date
    January 2011
  • Member Municipality
    Cicero
    Participant Employees
    29
    Coverage Effective Date
    October 2010
  • Member Municipality
    Culver
    Participant Employees
    14
    Coverage Effective Date
    May 2014
  • Member Municipality
    Danville
    Participant Employees
    54
    Coverage Effective Date
    April 2010
  • Member Municipality
    Darlington
    Participant Employees
    2
    Coverage Effective Date
    June 2011
  • Member Municipality
    Fowler
    Participant Employees
    14
    Coverage Effective Date
    June 2010
  • Member Municipality
    Georgetown
    Participant Employees
    15
    Coverage Effective Date
    February 2011
  • Member Municipality
    Greenfield
    Participant Employees
    196
    Coverage Effective Date
    January 2012
  • Member Municipality
    Hagerstown
    Participant Employees
    17
    Coverage Effective Date
    June 2013
  • Member Municipality
    Highland
    Participant Employees
    109
    Coverage Effective Date
    January 2010
  • Member Municipality
    Lafayette
    Participant Employees
    568
    Coverage Effective Date
    January 2010
  • Member Municipality
    Monticello
    Participant Employees
    56
    Coverage Effective Date
    July 2012
  • Member Municipality
    Nashville
    Participant Employees
    19
    Coverage Effective Date
    November 2013
  • Member Municipality
    Rensselaer
    Participant Employees
    77
    Coverage Effective Date
    September 2013
  • Member Municipality
    Rockville
    Participant Employees
    17
    Coverage Effective Date
    September 2011
  • Member Municipality
    Sweetser
    Participant Employees
    2
    Coverage Effective Date
    February 2013
  • Member Municipality
    Valparaiso
    Participant Employees
    268
    Coverage Effective Date
    September 2012
  • Member Municipality
    Warsaw
    Participant Employees
    181
    Coverage Effective Date
    November 2010
  • Member Municipality
    Swayzee
    Participant Employees
    3
    Coverage Effective Date
    July 2014
  • Member Municipality
    Hebron
    Participant Employees
    10
    Coverage Effective Date
    July 2014
  • Member Municipality
    Lowell
    Participant Employees
    56
    Coverage Effective Date
    July 2014
  • Member Municipality
    Kewanna
    Participant Employees
    2
    Coverage Effective Date
    November 2014
  • Member Municipality
    Walkerton
    Participant Employees
    30
    Coverage Effective Date
    December 2014
  • Member Municipality
    DeMotte
    Participant Employees
    19
    Coverage Effective Date
    December 2014
  • Member Municipality
    West Lafayette
    Participant Employees
    188
    Coverage Effective Date
    January 2015
  • Member Municipality
    Moores Hill
    Participant Employees
    2
    Coverage Effective Date
    December 2014
  • Member Municipality
    Munster
    Participant Employees
    105
    Coverage Effective Date
    January 2016
  • Member Municipality
    Topeka
    Participant Employees
    10
    Coverage Effective Date
    February 2016
  • Member Municipality
    Lebanon
    Participant Employees
    79
    Coverage Effective Date
    July 2015
  • Member Municipality
    Knightstown
    Participant Employees
    21
    Coverage Effective Date
    February 2015
  • Member Municipality
    Shirley
    Participant Employees
    4
    Coverage Effective Date
    June 2016
  • Member Municipality
    Scottsburg
    Participant Employees
    76
    Coverage Effective Date
    July 2016
  • Member Municipality
    Arcadia
    Participant Employees
    8
    Coverage Effective Date
    January 2017
  • Member Municipality
    South Whitley
    Participant Employees
    10
    Coverage Effective Date
    November 2016
  • Member Municipality
    Beech Grove
    Participant Employees
    83
    Coverage Effective Date
    January 2017
  • Member Municipality
    Greencastle
    Participant Employees
    55
    Coverage Effective Date
    January 2017
  • Member Municipality
    Edgewood
    Participant Employees
    8
    Coverage Effective Date
    December 2017
  • Member Municipality
    Pierceton
    Participant Employees
    10
    Coverage Effective Date
    January 2018
  • Member Municipality
    Southport
    Participant Employees
    4
    Coverage Effective Date
    February 2017
  • Member Municipality
    Winona Lake
    Participant Employees
    10
    Coverage Effective Date
    December 2018
  • Member Municipality
    Gary
    Participant Employees
    630
    Coverage Effective Date
    January 2019
  • Member Municipality
    Schererville
    Participant Employees
    147
    Coverage Effective Date
    January 2019
  • Member Municipality
    Shoals
    Participant Employees
    4
    Coverage Effective Date
    October 2019
  • Member Municipality
    Otterbein
    Participant Employees
    7
    Coverage Effective Date
    September 2021
  • Member Municipality
    Aurora
    Participant Employees
    29
    Coverage Effective Date
    September 2021
  • Member Municipality
    Oxford
    Participant Employees
    3
    Coverage Effective Date
    April 2021
  • Member Municipality
    Aim
    Participant Employees
    16
    Coverage Effective Date
    January 2017
  • Member Municipality
    Salem
    Participant Employees
    62
    Coverage Effective Date
    October 2021
  • Member Municipality
    Angola
  • Participant Employees
    73
  • Coverage Effective Date
    January 2010
  • Member Municipality
    Avon
  • Participant Employees
    26
  • Coverage Effective Date
    January 2011
  • Member Municipality
    Bloomington
  • Participant Employees
    611
  • Coverage Effective Date
    January 2011
  • Member Municipality
    Cicero
  • Participant Employees
    29
  • Coverage Effective Date
    October 2010
  • Member Municipality
    Culver
  • Participant Employees
    14
  • Coverage Effective Date
    May 2014
  • Member Municipality
    Danville
  • Participant Employees
    54
  • Coverage Effective Date
    April 2010
  • Member Municipality
    Darlington
  • Participant Employees
    2
  • Coverage Effective Date
    June 2011
  • Member Municipality
    Fowler
  • Participant Employees
    14
  • Coverage Effective Date
    June 2010
  • Member Municipality
    Georgetown
  • Participant Employees
    15
  • Coverage Effective Date
    February 2011
  • Member Municipality
    Greenfield
  • Participant Employees
    196
  • Coverage Effective Date
    January 2012
  • Member Municipality
    Hagerstown
  • Participant Employees
    17
  • Coverage Effective Date
    June 2013
  • Member Municipality
    Highland
  • Participant Employees
    109
  • Coverage Effective Date
    January 2010
  • Member Municipality
    Lafayette
  • Participant Employees
    568
  • Coverage Effective Date
    January 2010
  • Member Municipality
    Monticello
  • Participant Employees
    56
  • Coverage Effective Date
    July 2012
  • Member Municipality
    Nashville
  • Participant Employees
    19
  • Coverage Effective Date
    November 2013
  • Member Municipality
    Rensselaer
  • Participant Employees
    77
  • Coverage Effective Date
    September 2013
  • Member Municipality
    Rockville
  • Participant Employees
    17
  • Coverage Effective Date
    September 2011
  • Member Municipality
    Sweetser
  • Participant Employees
    2
  • Coverage Effective Date
    February 2013
  • Member Municipality
    Valparaiso
  • Participant Employees
    268
  • Coverage Effective Date
    September 2012
  • Member Municipality
    Warsaw
  • Participant Employees
    181
  • Coverage Effective Date
    November 2010
  • Member Municipality
    Swayzee
  • Participant Employees
    3
  • Coverage Effective Date
    July 2014
  • Member Municipality
    Hebron
  • Participant Employees
    10
  • Coverage Effective Date
    July 2014
  • Member Municipality
    Lowell
  • Participant Employees
    56
  • Coverage Effective Date
    July 2014
  • Member Municipality
    Kewanna
  • Participant Employees
    2
  • Coverage Effective Date
    November 2014
  • Member Municipality
    Walkerton
  • Participant Employees
    30
  • Coverage Effective Date
    December 2014
  • Member Municipality
    DeMotte
  • Participant Employees
    19
  • Coverage Effective Date
    December 2014
  • Member Municipality
    West Lafayette
  • Participant Employees
    188
  • Coverage Effective Date
    January 2015
  • Member Municipality
    Moores Hill
  • Participant Employees
    2
  • Coverage Effective Date
    December 2014
  • Member Municipality
    Munster
  • Participant Employees
    105
  • Coverage Effective Date
    January 2016
  • Member Municipality
    Topeka
  • Participant Employees
    10
  • Coverage Effective Date
    February 2016
  • Member Municipality
    Lebanon
  • Participant Employees
    79
  • Coverage Effective Date
    July 2015
  • Member Municipality
    Knightstown
  • Participant Employees
    21
  • Coverage Effective Date
    February 2015
  • Member Municipality
    Shirley
  • Participant Employees
    4
  • Coverage Effective Date
    June 2016
  • Member Municipality
    Scottsburg
  • Participant Employees
    76
  • Coverage Effective Date
    July 2016
  • Member Municipality
    Arcadia
  • Participant Employees
    8
  • Coverage Effective Date
    January 2017
  • Member Municipality
    South Whitley
  • Participant Employees
    10
  • Coverage Effective Date
    November 2016
  • Member Municipality
    Beech Grove
  • Participant Employees
    83
  • Coverage Effective Date
    January 2017
  • Member Municipality
    Greencastle
  • Participant Employees
    55
  • Coverage Effective Date
    January 2017
  • Member Municipality
    Edgewood
  • Participant Employees
    8
  • Coverage Effective Date
    December 2017
  • Member Municipality
    Pierceton
  • Participant Employees
    10
  • Coverage Effective Date
    January 2018
  • Member Municipality
    Southport
  • Participant Employees
    4
  • Coverage Effective Date
    February 2017
  • Member Municipality
    Winona Lake
  • Participant Employees
    10
  • Coverage Effective Date
    December 2018
  • Member Municipality
    Gary
  • Participant Employees
    630
  • Coverage Effective Date
    January 2019
  • Member Municipality
    Schererville
  • Participant Employees
    147
  • Coverage Effective Date
    January 2019
  • Member Municipality
    Shoals
  • Participant Employees
    4
  • Coverage Effective Date
    October 2019
  • Member Municipality
    Otterbein
  • Participant Employees
    7
  • Coverage Effective Date
    September 2021
  • Member Municipality
    Aurora
  • Participant Employees
    29
  • Coverage Effective Date
    September 2021
  • Member Municipality
    Oxford
  • Participant Employees
    3
  • Coverage Effective Date
    April 2021
  • Member Municipality
    Aim
  • Participant Employees
    16
  • Coverage Effective Date
    January 2017
  • Member Municipality
    Salem
  • Participant Employees
    62
  • Coverage Effective Date
    October 2021
Our path wasn't sustainable. We had to set aside politics to do what's right for the long term.
Mayor Joe Thallemer, Warsaw

Proven Savings

We know it’s tempting to look at municipal health one year at a time. But isn’t it time for a longer-term view? Isn’t it time to realize the combined buying power of municipalities who are in this together?

The Trust is a self-funded pool where members contribute to a shared fund to achieve the benefits of:

  • Marketplace clout
  • Lower per capita fixed costs
  • Less volatility
  • Better services

Our members commit to joining our insurance pool, and that can pay big dividends. As you can see, the Trust’s cumulative renewals since 2010 are significantly less than the industry trend.

As the membership grows, fixed costs decrease, claims expenses are predictable with less volatility and reserves are returned to the members through offsetting future premiums. The annual renewals have been below medical trend for 8 out of 10 years.

In other words, joining the Trust can mean big savings for your municipality.

Your Partner for Health

We partner with our member communities to keep their employees healthy through annual preventive exams, health risk assessments, biometric screenings, wellness best practices, health fairs and support.

We also offer a variety of disease management services for:

  • Diabetes
  • Asthma
  • Coronary artery disease
  • Heart failure
  • Healthy back

Your Partner for Support

We make your HR director look like a hero because we’re there to help answer employee questions. And we also offer legal advice and health coverage counseling.

We know that on boarding a new healthcare plan can be exhausting. So you’ll love the fact that our plans don’t change every year and we do the work, including employee training.

We’re your ACA Expert

It’s a confusing time for your human resources staff with all the changes brought by Patient Protection and Affordable Care Act (PPACA).

Fortunately, we’re the Obamacare experts. We’ll answer all your questions about how federal healthcare reforms might affect you at the local level, and how your peers are dealing with the changing healthcare landscape.

Long-term savings

Don’t settle for a short-term view. Get the health coverage you’ve craved without the premium spikes. Because the Trust’s premiums increase an average of 4% less per year than plans that aren’t built for municipalities.

You have a lot of worries – and we’ve got answers. Get the legal advice and health coverage counseling you need — when you need it. All just a phone call away.

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