AI Stop-Loss Carrier Comparison Tool
Compare stop-loss carriers across contract structure, open architecture flexibility, financial strength, specialty Rx strategy, and claims service. Select 2–4 carriers, then generate an AI-powered analysis tailored to your employer context.
How to Compare Stop-Loss Insurance Carriers for Self-Funded Plans
Stop-loss insurance protects self-funded employers from catastrophic claims — but not all stop-loss contracts are equal. Laser provisions, run-in/run-out terms, aggregate attachment points, and carrier financial strength vary significantly across the market.
This tool profiles 20+ stop-loss carriers across 7 comparison categories and 154 provision fields: specific deductible options, aggregate coverage, laser policy, financial strength (AM Best rating), TPA compatibility, captive program availability, specialty Rx strategy, and claims payment history. Select 2–4 carriers to generate an AI-powered analysis tailored to your employer context.
Independent analysis by Corry Hull, REBC® CSFS® — editorial content not influenced by carrier or vendor relationships. Updated August 2026.
Specific vs. Aggregate
Specific stop-loss covers individual high-cost claims above a deductible. Aggregate stop-loss caps total plan liability. Most self-funded plans carry both.
Laser Provisions
A laser excludes a known high-cost claimant from specific coverage at renewal. Carriers with aggressive laser policies create significant renewal risk for employers.
Captive Programs
Group medical captives allow employers to retain a layer of stop-loss risk and share in underwriting profit. Several carriers offer captive programs for qualifying employers.