Traditional Stop-Loss Insurance

Protect your self-funded health plan with flexible and dependable stop-loss insurance that safeguards against high-cost claims.
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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
The Evolution Risk team has a high level of expertise coming from their multiple different backgrounds. They are wonderful to work with and just really great people.
Broker Partner
When questions arise or claims issues need to be addressed, ERP is prompt and effective in coming up with and enacting a solution that leaves all parties feeling positive about the interaction.
Broker Partner
I have a deep level of trust in the partnership that ERP brings to the table and I’m confident that for any of my clients that we place with Evolution that they are in good hands.
Broker Partner

Frequently Asked Questions

What is stop-loss insurance?
Stop-loss insurance reimburses self-funded employers when high-cost medical claims exceed a certain threshold, protecting their financial health.
How does traditional stop-loss insurance work?
It acts as a financial safety net by covering individual high-cost claims or total claims over a set limit, without the need for fully insured premiums.
How does stop-loss insurance work with self-funded plans?
Stop-loss insurance protects employers by reimbursing them for claims that exceed a certain limit, either on an individual claim (specific coverage) or on the total claims for the plan year (aggregate coverage). This ensures you are protected from unusually high healthcare costs.
Is traditional stop-loss suitable for small employers?
Traditional stop-loss can be tailored for mid-sized and large employers, typically those with 25 to 10,000 employees. Our flexible contract options ensure you get the right level of protection, regardless of your company size.

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.
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P.O. Box 736357
Dallas, TX 75373-6357

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