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Stop-loss has become one of the most volatile—and most important—parts of a benefits strategy. With high-cost claimants on the rise and contract terms growing more complex, a single misstep can blow up a client’s budget or derail a renewal. Employers are looking for stability, clarity, and guidance they can trust—and they’re turning to brokers to help them navigate the uncertainty.
To understand how employers are adapting, we analyzed stop-loss activity across 5,000+ groups. This quick, data-backed one-pager breaks down the most common structures, deductible trends, and contract choices employers are making today—and why predictability is winning out over rock-bottom premiums.
Inside, you’ll get the insights you need to help clients understand exposure, evaluate trade-offs, and select protection that won’t come back to bite them at renewal.
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A majority of employers now prefer paying slightly higher premiums if it means more stability—and far less renewal volatility.
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