Stop-Loss Benchmarking Expansion: Captives, Corridors, and More

When we launched stop-loss benchmarking in 2023, we focused on the fundamentals: specific deductibles, rates, and basic aggregate coverage. It was a strong starting point, but self-funded employers told us they needed more.

Today, we're doubling the data points in stop-loss benchmarking.

What's New

Captive Participation More employers are joining captives as an alternative to traditional stop-loss. Now you can benchmark captive participation rates and see how this strategy is trending across industries and company sizes.

Aggregate Corridor Details Beyond just the corridor percentage, we now track aggregating specific deductibles and corridor methodology variations. The details matter when you're evaluating aggregate coverage.

Contract Basis Incurred vs. paid basis can significantly affect how stop-loss responds to claims. We now track contract basis across the dataset, so you can benchmark against employers with similar arrangements.

Renewal Rate Caps Rate cap provisions limit how much stop-loss premiums can increase at renewal. We're now tracking whether employers have rate caps and what those caps look like.

No-New-Laser Provisions Laser provisions protect employers from having known high-cost claimants excluded or rated up. No-new-laser guarantees are increasingly common—now you can see how your clients compare.

Why the Expansion Matters

Stop-loss is getting more sophisticated. Employers aren't just asking "what's my specific deductible?"—they're asking about captive strategies, contract structures, and renewal protections.

Consultants who can guide these nuanced conversations stand out. Having data to support those conversations is essential.

Using the New Data

Captive evaluation — Client curious about captives? Show them how adoption is trending among their peers and what participation typically looks like.

Contract negotiation — Armed with benchmark data on rate caps and no-new-laser provisions, you can push carriers for better terms.

Risk assessment — Understand how your client's full stop-loss structure compares—not just the deductible, but the complete risk transfer arrangement.

The Self-Funded Future

Self-funding continues to grow among mid-size employers. As more companies explore this path, sophisticated stop-loss guidance becomes more valuable.

We're committed to building the benchmarking tools that self-funded employers and their advisors need.

The expanded stop-loss data is available now in the platform.