Reference GuidePlan Funding & RiskPDF6 pages
Medical Stop-Loss Contract Comparison
Stop-loss contracts vary significantly in ways that aren't visible in the premium quote. This reference guide walks through the 12 most consequential contract terms — from lasering and accommodation provisions to run-in/run-out coverage and renewal rate caps — and explains what to look for and what to avoid.
Intended for
Self-Funded Plan Sponsors · Benefits Advisors
Reviewed and updated for plan year 2026 ·
Stop-LossSelf-FundingContract Review
Medical Stop-Loss Contract Comparison
PDF · 6 pages
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Source & Methodology
Contract terms sourced from review of 50+ stop-loss carrier contracts. Provisions ranked by frequency of employer impact.
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