Traditional Stop-Loss Insurance

Protect your self-funded health plan with flexible and dependable stop-loss insurance that safeguards against high-cost claims.

What is Traditional Stop-Loss Insurance?

Traditional stop-loss insurance is a solution designed for employers with self-funded health plans, offering protection against catastrophic claims. Unlike fully insured plans, where premiums cover all claim risks, traditional stop-loss insurance ensures that employers retain control over day-to-day healthcare costs while having a safety net for large, unexpected claims.

Features include:

  • Specific and Aggregate Coverage: Get tailored protection against individual large claims and total claims exceeding a set limit.
  • Predictable Renewal Terms: Benefit from flexible contract options that include no new lasers at renewal and renewal rate caps.

Who Should Consider Traditional Stop-Loss Insurance?

This solution is especially suited for:

  • Mid-sized to large employers (25 to 10,000 employees) looking to maintain control over day-to-day healthcare costs while safeguarding against high-cost claims.
  • Brokers who want to provide their clients with a reliable solution that balances flexibility with long-term financial stability.
  • Self-funded employers who value predictable coverage options, such as no new lasers at renewal, and competitive renewal rate caps to ensure year-over-year cost stability.

Key Benefits and Available Options of Our Traditional Stop-Loss Insurance Coverage

No New Lasers

Predictable Healthcare Costs

Renewal Rate Caps

Renewal Rate Caps

Advanced Funding Options

Advanced Funding Options

Gapless Renewals

Gapless Renewals

We Bring Unmatched Value to Our Clients

Brokers

You need more than just a quick quote—you need a partner you can count on to deliver tailored solutions that keep your clients protected. At Evolution Risk Partners, you’ll get:
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Direct Access to Experts:
Our underwriters work with you closely to ensure that every client receives a solution that fits their specific needs, no matter how complex.
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Tailored, Fast Quotes:
We understand the importance of speed without sacrificing accuracy. Our efficient quoting process ensures you can respond confidently, building trust with your clients.
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Reliable Coverage That Grows With Your Clients:
With options like no new lasers at renewal and renewal rate caps, your clients will appreciate the financial predictability and long-term stability we provide.

Employers

When it comes to managing your healthcare costs, you need certainty and control. Evolution Risk Partners is here to help:
 
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Financial Stability You Can Trust:
With renewal rate caps and no new lasers at renewal, you’ll have peace of mind knowing your healthcare expenses are predictable year over year.
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Responsive Claims Support:
High-cost claims don’t need to disrupt your business. Our claims team is dedicated to ensuring fast, smooth processing so you can focus on what matters—your employees.
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Customizable Contracts for Your Unique Needs:
From advanced funding options to gapless renewals, we offer flexible contract features that evolve with your business.
 

Hear How We Deliver for Clients

As I have worked with Evolution Risk Partners it is clear to me that they have found the perfect balance between thoughtful solid underwriting and creativity that is needed to find the solutions for all of my self-funded accounts.
Broker Partner

Frequently Asked Questions

What is stop-loss insurance?
How does traditional stop-loss insurance work?
How does stop-loss insurance work with self-funded plans?
Is traditional stop-loss suitable for small employers?

Secure Your Business With Tailored Stop-Loss Coverage

Get ahead of high healthcare costs with customizable traditional stop-loss insurance from Evolution Risk Partners. Contact us to discuss how we can design a plan that fits your company’s unique needs.