Strategy
Stop-Loss Renewal Strategy
Stop-loss renewal is when your carrier reviews your claims experience and sets new rates and terms for the coming year. A proactive renewal strategy — starting 90–120 days before renewal — gives you the leverage to negotiate better terms and avoid surprises.
Renewal strategy checklist
Start renewal process 90–120 days before expiration
Review current year claims experience — identify high-cost claimants and trends
Anticipate lasers — identify members with ongoing high-cost conditions
Request renewal terms early — don't wait for the carrier to send them
Go to market with competing quotes — even if you plan to renew with current carrier
Negotiate laser limits before accepting renewal terms
Consider deductible changes — higher deductible may reduce premium if claims experience is favorable
Review contract terms — run-in/run-out, advance funding, accommodation provisions