Stop-loss insurance.

Insurance purchased by self-funded employers to cap their exposure to catastrophic individual claims (specific stop-loss) or aggregate claim spend (aggregate stop-loss).

In the context of EHP

Stop-loss premiums are experience-rated. When the EHP SIMERP reduces claim activity on the underlying self-funded plan, stop-loss premiums tend to follow downward at renewal. The effect compounds year over year as utilization patterns stabilize.

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In the context of EHP

Related terms

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