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.
- 30+ years in SC healthcare
- Member-owned — surplus returns to members
- Brokers & HR teams welcome
Antum Risk — Our Story
Video coming soon
A fundamentally different approach to risk management
We are not a commercial carrier. We are a member-driven organization — owned by the organizations we serve, with surplus returning to members, not shareholders.
30+
Years serving SC healthcare
Since 1993, we have been the trusted risk management partner for South Carolina healthcare organizations.
50%+
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 (PHSLP)
The Palmetto Healthcare Stop Loss Program (PHSLP) is a retrospective funding model where you pay actual claims costs — eliminating 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.
- Retrospective funding — pay actual costs, not inflated premiums
- Transparent operations: you see exactly where your money goes
- Risk spread across a pool of participating organizations
- Open to self-insured employers in any industry across most states
- Member-driven: surplus returns to members, not shareholders
What is Medical Stop Loss?
Video coming soon
50%+ savings, 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.”
More Ways Antum Risk Serves You
Beyond Medical Stop Loss, we offer a full suite of risk management solutions for South Carolina healthcare organizations.
P&GL / PHLIP
PHLIP
Lower-cost malpractice coverage through group self-insurance.
Workers' Comp
PHT
SC healthcare's most streamlined workers' comp solution.
Consulting
30+ years of healthcare risk management expertise.
PPRA
Know the risks in your practices before they find you.
View All Offerings
See the full scope of our services
Real results from SC healthcare
Named, quantified outcomes from the organizations we serve. No stock photos. No made-up numbers.
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.”
Unparalleled service in SC
“Moving from a TPA to the workers’ compensation program with Palmetto Hospital Trust has streamlined our internal processes, making them very efficient by using PHT’s electronic claims reporting. PHT’s service is unparalleled in the state.”
Actionable solutions, not just deficiencies
“Following the assessments you receive an Executive Summary with findings and actionable recommendations, numeric scores, and benchmarking. We received a toolkit with best practices, sample policies, competencies and more. This isn’t just a list of deficiencies; we are given potential solutions so that we don’t have to recreate the wheel.”
Trust, Transparency & Service — Our Approach
Video coming soon
Trust. Transparency. Service.
Trust
Built on 30+ years of relationships in South Carolina healthcare. When you engage with Antum Risk, you align with an organization that understands your unique challenges — and knows that your success is paramount to ours.
Transparency
We are open about how we make money. We separate profit components so you have full visibility. You see every dollar — because you deserve to know where your risk management investment goes.
Service
We are owned by the organizations we serve. Surplus returns to members, not shareholders. That alignment changes everything about how we show up for you.
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?
Schedule a no-obligation call with Janine to learn how Antum Risk's retrospective funding model can work for your organization.