Stop paying carrier profits.
Pay actual costs.
Commercial stop-loss carriers bundle profit, surplus, and administrative margins into your premium. Antum Risk's retrospective funding model strips those out — so you pay what your claims actually cost, with full transparency into every dollar.
A fundamentally different approach to insurance.
We are a member-driven organization — owned by the organizations we serve, with surplus returning to members, not shareholders.
50+
Years serving our clients
Since 1977, we have been a trusted insurance partner for our clients.
24%+
Average stop-loss savings, year one
Members consistently save more in their first year than they expected — because you pay actual costs, not commercial premiums.
$5.3M
Saved by one member over 9 years
Through early claims resolution and group captive participation, the financial benefits compound over time.
Medical Stop Loss
The medical stop loss program is a retrospective funding model where you pay actual claims costs — minimizing the profit, surplus, and margins built into commercial stop-loss premiums. Transparent pricing, pooled risk, and a track record of delivering real savings to self-insured employers.
Featured OfferingRetrospective Funding
pay actual costs, not inflated premiums
Transparent Operations
you see exactly where your money goes
Open to Self-Insured Employers
in any industry across most states
Member-Driven
decision making by members
More Ways Antum Risk Serves You
Beyond Medical Stop Loss, we offer a full suite of risk management solutions for South Carolina healthcare organizations.
Professional & General Liability
Lower-cost malpractice coverage through group self-insurance.
Learn more
Workers' Compensation
SC healthcare's most streamlined workers' comp solution.
Learn more
Consulting
30+ years of healthcare risk management expertise.
Learn more
Physician Practice Risk Assessments
Know the risks in your practices before they find you.
Learn more
Real Results
Named, quantified outcomes from the organizations we serve.
50%+ savings in year one
“The County saved more than 50% on the cost of our stop-loss coverage in our first year alone thanks to joining PHSLP. We like the program’s retroactive funding structure and having the volatile risk spread across a pool of participating organizations. As members, we also appreciate the transparency related to its operations and cost.”
$1.4M in refunds
“In today’s competitive healthcare market, fiscal responsibility is a top priority. Being a member in a self-insurance captive has allowed AnMed Health the opportunity to receive refunds in excess of $1.4M.”
$5.3M saved over 9 years
“Early resolution of claims with possible liability is one of the many ways that participation in the PHLIP captive provides financial stewardship for our organization. Over the past 9 years Self Regional Healthcare has saved an estimated $5.3 million through participation in the PHLIP communication and resolution program.”
About Antum Risk
Trust
Built on 50 years of client relationships.
Transparency
We are open about how we make money. We separate profit components so you have full visibility. You see exactly where your money goes.
Service
We are owned by the organizations we serve. Surplus returns to members, not shareholders.
We also work directly with HR and benefits leaders who want to evaluate stop-loss options independently.
Education is central to what we do.
Our market goal is education — creating clarity around products that function fundamentally differently from commercial alternatives. Join our webinars and events.
Ready to see what you could save?
Contact us to learn how Antum Risk insurance solutions can work for your organization.