Stop-loss insurance

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.

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.

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.