Insurance that caps an employer's claim exposure on a self-insured health plan — specific (per claim) and aggregate (annual total).
Stop-loss insurance is purchased by self-insured employers to cap their exposure to catastrophic claims. Two coverage layers: specific stop-loss (per-claim cap, often $50K-$200K depending on size) and aggregate stop-loss (annual claim total cap).
Stop-loss only matters for self-insured plans. PEO master plans are typically fully-insured, so stop-loss isn't part of the standard PEO conversation.
Insurance that caps an employer's claim exposure on a self-insured health plan — specific (per claim) and aggregate (annual total).
Stop-loss insurance is purchased by self-insured employers to cap their exposure to catastrophic claims.
Most PEO buying decisions touch several related concepts at once. Stop-loss insurance typically comes up alongside the other terms in this category. Closely related terms include Self-insured health plan, Group health insurance.
This is one entry from our PEO glossary covering payroll, benefits, workers comp, HR compliance, and PEO mechanics. Browse all terms.
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