Physicians Health Plan of Northern Indiana (PHP)

Health Insurancephpni.com

Physicians Health Plan of Northern Indiana is a physician-sponsored, not-for-profit health insurer founded in 1983, offering group HMO/POS plans, TPA, and level-funded options to employers across Northern Indiana and Ohio, serving roughly 50,000 members.

Company typePrivate
Founded1983
HeadquartersFort Wayne, United States
Headcount101–250
GTM typeB2B
OfferingServices

What Physicians Health Plan of Northern Indiana (PHP) does

Physicians Health Plan of Northern Indiana (PHP) is a physician-sponsored, not-for-profit health insurance company founded in 1983 and headquartered in Fort Wayne, Indiana. It is licensed to sell fully-insured group health products in 46 Northern Indiana counties and 6 Ohio counties, and offers self-funded administrative services statewide across both states, serving approximately 50,000 members across more than 200 commercial health plans.

The company's core products span fully-insured group HMO and POS plans, third-party administration (TPA) for self-funded employers, level-funded hybrid plans under the LEVEL Solutions brand, integrated pharmacy coverage, and ancillary benefits (FSA/HRA administration, dental, vision discount, life and disability). A value-added wellness stack includes Get PHP Fit!, telehealth via a partnership with Parkview Employer Solutions, the MyNurse 24/7 nurseline, tobacco cessation, diabetes education, mental health resources, and a health risk assessment. Technology infrastructure centers on a multi-portal digital ecosystem (member, provider, broker, employer portals at secureportals.phpni.com) plus the PHP Go! mobile app, with third-party InterQual clinical decision criteria used for utilization review.

PHP monetizes primarily through recurring employer-group health insurance premiums on fully-insured plans, administrative fees on self-funded/TPA accounts, level-funded plan fees, and ancillary product premiums, all billed monthly on a quote-based pricing model. Go-to-market is sales-led, combining an in-house direct sales team with a broker/benefits-advisor channel and digital self-service tools. In December 2024, PHP was acquired by Priority Health (Michigan), expanding Priority Health's membership by 50,000 while PHP continues to operate as a local brand under the new parent.

Physicians Health Plan of Northern Indiana (PHP) firmographics

Firmographics

Name: Physicians Health Plan of Northern Indiana (PHP)
Legal name: Physicians Health Plan of Northern Indiana, Inc.
Website: https://phpni.com
Company type: Private
Founded year: 1983
Operating status: Acquired
Headcount range: 101–250 employees
Short description: Physicians Health Plan of Northern Indiana is a physician-sponsored, not-for-profit health insurer founded in 1983, offering group HMO/POS plans, TPA, and level-funded options to employers across Northern Indiana and Ohio, serving roughly 50,000 members.
Ownership category
akta.pro rank

Physicians Health Plan of Northern Indiana (PHP) industry classification

Industry

Product category: Health Insurance
NAICS: Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120), Health Care and Social Assistance (62)
SIC: Insurance Agents, Brokers & Service (6411), Services-Misc Health & Allied Services, Nec (8090)
akta.pro primary industry: Fully Insured Small Group Plans (HLAEAAAB)
akta.pro secondary industries: Level-Funded Group Health Plans (FSAIAFAC), Small Group POS Plans (HLAEAOAI), Small Group Health Insurance (2–50/100) (FSAIAFAD), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Employer Wellness & Population Health Programs (HLAEAAAH), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

Group health insurance
Self-funded health plans
Third party administration
Pharmacy benefit management
Employee benefits administration

Where Physicians Health Plan of Northern Indiana (PHP) is headquartered

Location

Headquarters

HQ city: Fort Wayne
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Physicians Health Plan of Northern Indiana (PHP) business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Health Insurance Premiums: PHP generates primary revenue through employer group health insurance premiums, offering fully-insured HMO and POS plans for small and large groups.
Self-Funded Plan Administration (TPA Services): Administrative services for self-funded employer health plans, including claims administration, eligibility management, and reporting. Revenue comes from administrative fees rather than premiums.
Level Funding Solutions: Level-funded health plans offering a hybrid approach between fully-insured and self-funded options, providing predictable costs with potential refunds for low claims.
Pharmacy Coverage: Prescription drug coverage integrated with medical plans, including formulary management and pharmacy benefit administration.
Ancillary Products: FSA and HRA administration services, dental insurance, vision insurance/discount programs, and life and disability insurance products.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Small Group Health Plans
Subscription	Monthly	Large Group Health Plans
Hybrid	Monthly	Level Solutions (Level-Funded)
Professional services/ project-based	Monthly	Self-Funded Plans
Subscription	Annual	Tobacco Cessation Medications

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Physicians Health Plan of Northern Indiana (PHP) product offering

Product offering

Core offering

Physicians Health Plan of Northern Indiana sells group health insurance and related employee benefits to small and large employer groups across Northern Indiana and Ohio. Its core offerings include fully-insured HMO and POS plans, self-funded plan administration (TPA services), level-funded LEVEL Solutions, integrated pharmacy coverage, and ancillary products such as FSA/HRA administration, dental, vision, and life/disability insurance. Members access these through dedicated portals, a mobile app, telehealth services, a 24/7 nurseline, and a suite of wellness programs.

Product overview

PHP offers a comprehensive health insurance and employee benefits platform consisting of core medical insurance products (Group Health Plans, TPA Services, Self-Funded Plans, LEVEL Solutions, and Pharmacy Coverage) supported by ancillary add-ons (FSA & HRA, Dental, Vision, Life & Disability Insurance). The portfolio is complemented by integrated wellness programs including Get PHP Fit!, Health Risk Assessment, Telehealth Services, MyNurse 24/7 Nurseline, Tobacco Cessation, Diabetes Education, and Mental Health Resources. PHP also provides a mobile app and member/employer/broker/provider portals for digital access. The company operates as a not-for-profit, physician-sponsored health plan serving Northern Indiana and Ohio.

Differentiator

Problem solved

Functional benefit

Brands

PHP Easy: Employer-focused health plan solution featuring top-notch support and service to take the administrative burden off employers' shoulders.
PHP Go!
Get PHP Fit!
MyNurse 24/7 Nurseline
LEVEL Solutions

Products and services

Group Health Plans Health insurance plans for large and small employer groups, offering HMO and POS plan designs with flexible benefit options for employers.
TPA Services (Third Party Administrator) Third Party Administrator services providing alternative healthcare options through self-funding arrangements, delivering claims administration, eligibility management, and reporting for employers.
LEVEL Solutions Level-funded health plans featuring predictable costs, potential savings, and refunds for low claims while conserving cash flow for mid-sized employers.
Self-Funded Health Plans Self-insured employer health benefit plans providing financial control, lower taxes, improved cash flow, and plan design flexibility.
Pharmacy Coverage Prescription drug coverage integrated with medical plans, including pharmacy perks, formulary management, and cost-saving tools.
FSA & HRA Administration Flexible Spending Accounts and Health Reimbursement Arrangements that lower out-of-pocket costs, payroll taxes, and healthcare premiums for employees.
Dental Plans Dental insurance options for all group sizes covering routine exams, preventive care, and major dental procedures.
Vision Discount Program Vision care discount program providing reduced-cost eye exams, frames, lenses, and contacts included with all PHP medical plans.
Life & Disability Insurance Income protection insurance maintaining financial security if unexpected events occur, covering life and disability risks for PHP members.
Get PHP Fit! Wellness Program Online health and wellness program featuring quarterly health challenges, health and lab result tracking, and online health education classes for PHP members.
Health Risk Assessment Personalized health evaluation measuring nutrition, lifestyle, and preventive health, providing risk reports and tailored recommendations.
Telehealth Services 24/7 virtual medical care through Parkview Employer Solutions Virtual Care for non-emergency health issues via video visits with no cost sharing for PHP members.
Tobacco Cessation Program Comprehensive tobacco addiction support including FDA-approved medications (nicotine patch, gum, lozenge, nasal spray, bupropion, varenicline) and quitline coaching.
MyNurse 24/7 Nurseline 24-hour nurse question line providing licensed registered nurse access for healthcare guidance and symptom assessment.
Diabetes Education Diabetes self-management education covering blood sugar control, meal planning, physical activity, and routine care monitoring.
Mental Health Resources Mental health and wellness resources including access to mental health services, crisis hotlines, and behavioral health support.
PHP Go! Mobile App Free mobile application providing easy access to health insurance card, plan details, and member account information on the go.

Quantifiable outcome

Claims handled quickly and accurately - 94% satisfaction vs 87% industry average
+3 more outcomes

Companies that use Physicians Health Plan of Northern Indiana (PHP)

Customer profile

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Physicians Health Plan of Northern Indiana (PHP) technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature5 records

Physicians Health Plan of Northern Indiana (PHP) partnerships and signals

Strategic signal

Partnerships

Nine partnerships are on record, tiered core, major and minor.

Priority HealthcoreStrategic or Co-development Partner · 1 December 2024Priority Health, a Michigan-based health plan, completed acquisition of Physicians Health Plan of Northern Indiana on December 1. The deal expands Priority Health's membership by 50,000 members in Indiana and Ohio, with proceeds supporting local health initiatives. PHP continues operations as a local brand while gaining access to Priority Health's resources and expertise.
PHP FoundationcoreStrategic or Co-development PartnerThe PHP Foundation, established by Physicians Health Plan of Northern Indiana, awards grants to support charitable organizations addressing health and wellness needs of low-income, high-risk individuals. In 2025, awarded $623,000 to 30+ organizations. To date, has awarded over $10 million in grants.
Neighborhood Health ClinicmajorStrategic or Co-development PartnerOver 20-year partnership with FQHC providing healthcare to underserved populations. PHP provides health insurance benefits to Neighborhood Health employees and supports the clinic through foundation grants and community initiatives.
Big Brothers Big Sisters of Northeast IndianaminorStrategic or Co-development PartnerPHP sponsors BBBS events and employees serve as mentors. BBBS provides employee health benefits through PHP. Partnership focused on community youth development.
Greater Fort Wayne Inc.minorGTM or Marketing PartnerPHP partnered with Greater Fort Wayne Inc. to offer a health insurance discount program for members and employees of the Chamber.
The Lutheran FoundationmajorStrategic or Co-development PartnerPart of a $600,000 coalition (with PHP Foundation and St. Joseph Community Health Foundation) to support transition of Fort Wayne Medical Education Program's Family Medicine Center to Neighborhood Health operations.
St. Joseph Community Health FoundationmajorStrategic or Co-development PartnerPart of coalition supporting Family Medicine Center transition. Funding supports continued access to quality family medicine care for low-income families.
Parkview Employer SolutionsmajorTechnology or IntegrationPHP partners with Parkview Employer Solutions for telehealth services (Virtual Care), providing 24/7 video visit access for PHP members with no cost sharing. Service accessible through Parkview MyChart platform.
Fort Wayne Medical Education ProgramminorStrategic or Co-development PartnerPHP Foundation supports the residency program which has trained over 60% of Allen County's current family medicine doctors. The Family Medicine Center serves over 6,000 individuals annually.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Physicians Health Plan of Northern Indiana (PHP) competitors and assessment

Company assessment

Direct peers

Priority Health: Michigan-based regional health plan and PHP's parent company following the December 2024 acquisition. Directly comparable as a regional, multi-product commercial health insurer serving employer groups with HMO/POS, self-funded, and ancillary products. Most operationally aligned peer given shared ownership and product mix.
Health Alliance Plan (HAP): Michigan-based regional health plan offering HMO, POS, PPO, Medicare, and Medicaid products to employer groups and individuals. Closely comparable to PHP in size, regional orientation, and commercial employer-sponsored product mix. Both compete for multi-state employer accounts across the Midwest.
Paramount Health: Ohio-based regional health plan owned by ProMedica, offering commercial, Medicare, and ACA products. Directly comparable as a regional, provider-affiliated carrier competing for small and mid-market employer groups in Ohio—PHP's secondary operating geography.
Medical Mutual of Ohio: Mutual health insurance company headquartered in Cleveland, Ohio, offering group and individual health, dental, vision, and life products. Comparable to PHP as a regional, multi-product commercial carrier with a long operating history (80+ years) and similar employer-group go-to-market focus.
CareSource: Dayton, Ohio-based not-for-profit managed care plan serving Medicaid, Marketplace, and Medicare members. Comparable to PHP in not-for-profit roots and Ohio/Indiana regional footprint, though CareSource is larger and government-program-focused; useful for comparing how mission-driven regional plans scale.
Sagamore Health Network: Indiana-based provider network and health plan administrator offering PPO, HMO, and self-funded arrangements to employer groups across Indiana. Directly comparable as a regional Indiana-focused health plan and network partner competing in PHP's primary geography.

Broad incumbents

Anthem Blue Cross and Blue Shield (Indiana): Indiana's dominant commercial health insurer and BCBS licensee, offering broad employer-sponsored, individual, Medicare, and Medicaid products statewide. Overlaps significantly with PHP in the small and large group segments but at vastly larger scale and with a national parent (Elevance Health).
UnitedHealthcare: Largest U.S. health insurer offering commercial, Medicare, Medicaid, and individual plans nationwide, including Indiana. Directly competes with PHP for employer groups in Indiana and Ohio with deeper networks, larger risk pools, and integrated PBM (OptumRx). Key competitive benchmark.
Humana: Major national carrier with strong employer-group, Medicare Advantage, and specialty pharmacy capabilities. Competes with PHP in Indiana small/mid-market group segment and on ancillary products like dental and vision.
Cigna Group: Global health services company offering commercial employer-sponsored plans, stop-loss, and Evernorth pharmacy/PBM services. Competes for Indiana and Ohio mid-market and large employer groups, particularly on self-funded administration where Cigna's scale is a direct counterweight to PHP's TPA offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Physicians Health Plan of Northern Indiana (PHP) financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Physicians Health Plan of Northern Indiana (PHP) leadership team

Management profile

Number of profiles

Profiles8 records

Physicians Health Plan of Northern Indiana (PHP) funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Physicians Health Plan of Northern Indiana (PHP) M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Physicians Health Plan of Northern Indiana (PHP)

What does Physicians Health Plan of Northern Indiana (PHP) do?

Is Physicians Health Plan of Northern Indiana (PHP) a public or private company?

Physicians Health Plan of Northern Indiana (PHP) is a private company. It is classified as corporate owned and is currently acquired.

When was Physicians Health Plan of Northern Indiana (PHP) founded?

Physicians Health Plan of Northern Indiana (PHP) was founded in 1983. It employs 101 to 250 people.

Where is Physicians Health Plan of Northern Indiana (PHP) based?

Physicians Health Plan of Northern Indiana (PHP) is headquartered in Fort Wayne, United States, in the North America region.

How does Physicians Health Plan of Northern Indiana (PHP) make money?

Five revenue lines are on record. Health Insurance Premiums are the primary driver. The others are self-Funded Plan Administration (TPA Services), level Funding Solutions, pharmacy Coverage and ancillary Products.

Who are Physicians Health Plan of Northern Indiana (PHP)'s main competitors?

Direct peers on record are Priority Health, Health Alliance Plan (HAP), Paramount Health, Medical Mutual of Ohio, CareSource and Sagamore Health Network. Broad incumbents are Anthem Blue Cross and Blue Shield (Indiana), UnitedHealthcare, Humana and Cigna Group.

Does Physicians Health Plan of Northern Indiana (PHP) have an API?

No public API is recorded for Physicians Health Plan of Northern Indiana (PHP).

What industry is Physicians Health Plan of Northern Indiana (PHP) in?

Physicians Health Plan of Northern Indiana (PHP)'s product category is Health Insurance. Its primary akta.pro industry code is HLAEAAAB, Fully Insured Small Group Plans, with a secondary code of FSAIAFAC, Level-Funded Group Health Plans. Its NAICS code is 524114 and its SIC code is 6411.