The Hartford Business Journal is reporting that some smaller, independent CT hospitals are in discussions with each other and with insurers about options that improve their efficiency and make coverage more affordable. The hospitals are talking with insurers about value-based insurance designs or tiered networks where consumers who choose to access care at lower priced facilities benefit with lower cost sharing, making care even more affordable. Lower costs are often not found in large networks and facilities. The talks are in part a response to large, for-profit hospital networks forming across the state. An agreement that may include physician practices among six to ten small hospitals could happen within a few months.