Medical Stop Loss done differently.
The 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.
We can work through brokers or directly with HR and Benefits Professionals.
Our program is different
from commercial stop loss
The commercial problem
Commercial stop-loss carriers treat your premium as a profit center. They bundle administrative margins, carrier profits, and surplus reserves into your rate — and keep the difference when claims come in lower than expected. You have no visibility into how that number was built.
Retrospective 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
Our Stop Loss Solution
Our program uses a retrospective funding model where clients pay actual costs — eliminating much of the profit and removing the surplus and margins found in commercial stop-loss. When claims come in lower, you benefit. When the pool performs well, clients pay less.
Who Can Join?
Self-insured employers in any industry. If your organization self-insures its health plan – you need stop-loss coverage. Our program is built to serve organizations like yours.
- Self insured employers
- Any industry
- Accessible through brokers or directly
We also work directly with HR and benefits leaders who want to evaluate stop-loss options independently.
We actively partner with benefits brokers serving self-insured employers. Bring your clients — we'll run the numbers together.
Contact us to discuss stop loss
Contact us – we work through brokers or directly with HR and Benefits Professionals. No obligation, just a clear look at what you could save.