How much does stop-loss insurance cost?

Premiums vary based on group size, claims history, and the attachment point selected — there's no single market rate. An Apex advisor can help estimate a realistic cost range for your specific plan.

Who needs stop-loss insurance?

Self-funded employers and those evaluating self-funding typically need stop-loss coverage to protect against catastrophic claims. It's especially important for mid-to-large employers without the reserves to absorb a large, unexpected claim.

Is stop-loss insurance the same as reinsurance?

Stop-loss insurance functions similarly to reinsurance but is purchased directly by the employer, not by another insurance carrier. It protects the plan sponsor rather than an insurer's own book of business.

How is stop-loss insurance attachment point determined?

Attachment points are typically set based on group size, claims history, and risk tolerance, often with input from an actuary or benefits advisor. A lower attachment point means more protection but higher premiums, and vice versa.

stop-loss insurance Archives

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Archive: stop-loss insurance

Blog

October 14, 2026

Benefits Basics: Stop-loss Insurance

Stop-loss insurance offers critical protection for self-funded employers. Examine the basics of this coverage and its contracts.

Archive: stop-loss insurance

Benefits Basics: Stop-loss Insurance