Stop-loss insurance

The two types of stop-loss insurance — specific and aggregate — protect against different failure modes. Here's how they work together, what attachment points to choose, and why most employers need both.

Three detailed scenarios that show exactly how specific and aggregate stop-loss insurance pay out when real claims happen — including the numbers, the timing, and the employer's actual net cost.

Stop-loss insurance is the mechanism that caps an employer's financial risk under a self-funded health plan. Here's how it works, what it costs, and why it makes alternative plan structures safe even for small companies.

Stop-loss insurance is what makes self-funded and alternative plan structures financially safe, even for small companies. Here's how it works, what to watch for, and why it matters.