Arlo Health Indiana Group Health Insurance 2026 - Level Funded
Arlo is a level-funded carrier for small and mid-size businesses, using data-driven underwriting and Nationwide-backed stop-loss. Available to Indiana employers with roughly 10 to 150 employees - fixed monthly costs and a year-end surplus return in healthy years.
Arlo Health Indiana Group Plan Options
Arlo brings modern, data-driven level funding to Indiana employers a step above the micro-group range.
| Product | Type | Min Group | Key Feature |
|---|---|---|---|
| Arlo Level Funded | Level Funded | 10+ | Fixed monthly cost with surplus return |
| Stop-Loss | Nationwide-backed | - | Specific and aggregate protection |
| Network | National PPO rental | - | Broad Indiana provider access |
Indiana Intel Most Brokers Don't Share
1. Available to Indiana employers
Arlo writes in most states, excluding only WA, NY, HI, DC, and OK - so Indiana groups are eligible.
2. Data-driven underwriting
Arlo uses modern underwriting to price Indiana small and mid-size groups quickly, which speeds up a competitive renewal.
3. Nationwide-backed stop-loss
Arlo's stop-loss is backed by Nationwide, an A-rated carrier, which caps an Indiana employer's exposure in a high-claims year.
4. Surplus returns in healthy years
Like other level-funded structures, a healthy Indiana group can receive a year-end surplus rather than losing unused premium.
5. ERISA governs the plan
Arlo level-funded plans run under the plan document; Indiana fully insured mandates such as IC 27-8-5.7 apply to fully insured plans, not ERISA self-funded ones.
6. Newer carrier - we vet it
Arlo is a newer, technology-first carrier. We review stop-loss terms, the reinsurer, and stability before recommending it for your Indiana group.
How HRAs Work With Arlo Health Plans
Arlo level-funded plans integrate HRAs directly.
Level Funded - Surplus HRA
Direct a healthy-year surplus into an employee HRA the next plan year.
Self-Funded - Plan-Integrated HRA
Configure per-tier HRA dollars in the plan document.
Specialty Layering
Add dental, vision, and life to complete the offer.
Arlo Health: Strengths and Limitations for Indiana Employers
✓ Strengths
- Level funding for small and mid Indiana groups
- Nationwide-backed A-rated stop-loss
- Fast, data-driven underwriting
- Surplus potential in healthy years
✗ Limitations
- Roughly 10-employee minimum - not for micro-groups
- Newer carrier with a shorter track record
- Medical underwriting applies
- Network is rented, not owned
Get Arlo Health Group Quotes for Indiana Employers
Compare Arlo level funding against Anthem and every major Indiana group carrier in one proposal.
Request a Group QuoteCall 855.847.7020