Stop-loss attachment point calculator: where does protection begin?
Enter your enrollment, expected monthly claims and deductible to see the aggregate attachment point. Built for employers weighing a self-funded or level-funded plan.
Estimate your stop-loss attachment points.
The factor is your assumption until you have a quote. The result updates as you type.
Use the figure from your actuary or carrier.
Aggregate coverage often attaches at a factor above 100 percent. Your quote sets the real figure.
Your estimate
A planning estimate from the figures you enter. Quotes differ by carrier, group and contract basis. Review any stop-loss contract with your advisor and counsel.
What is stop-loss insurance?
Stop-loss is coverage an employer buys to limit the risk of paying claims itself. Specific stop-loss reimburses the plan when one person has claims above a set deductible. Aggregate stop-loss reimburses the plan when total claims for the group pass an attachment point, often set as a percentage of expected claims. It is bought by the employer, not by employees, and it does not replace the health plan.
How should an employer choose a deductible?
A lower deductible costs more in premium and leaves less risk with the employer. A higher deductible costs less and leaves more. The right level depends on group size, cash reserves and how much risk the employer is willing to carry in a bad year. Comparing the deductible with expected annual claims is a useful first check, and the calculator above does that.
Common questions
Is the aggregate attachment point fixed at 125 percent?
No. Many quotes use a factor above 100 percent of expected claims, and the number varies by carrier and group. Treat the factor here as an assumption until you have a quote.
What does an expected claims figure include?
It is the projected cost of medical and prescription claims paid by the plan. It does not include stop-loss premium or administrative fees.
Does the deductible apply per person?
Specific stop-loss applies per covered person. Some contracts add a higher deductible for certain individuals, which is set in the quote.
Who can help us compare quotes?
We can model the options with you and compare stop-loss quotes side by side, along with the funding choice itself.
Talk to us about funding options
Book a 30-minute call and we will look at your claims, your risk tolerance and the funding options that fit. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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