How Much Does Stop-Loss Insurance Cost? Full Pricing Guide by Group Size
If you’re considering self-funding your company’s health benefits, you’ve probably come across the term stop-loss insurance. It’s the financial safety net that protects your business from catastrophic claims. But how much does stop-loss insurance cost — and what affects those costs? This guide breaks down the key pricing factors, typical premium ranges, and how you […]
Stop-Loss Health Insurance Examples: How It Shields Employers from Big Claims
Why Businesses Consider Stop-Loss Insurance Self-funding a health plan offers employers more control, flexibility, and potential savings compared to fully insured models. But with those benefits come risks — especially when it comes to high-cost claims. One serious illness or injury can trigger hundreds of thousands in unexpected expenses. That’s where stop-loss insurance steps in. […]
How Does Stop-Loss Insurance Work? Benefits, Cost & Myths Explained
Self-funding your company’s health plan puts you in control—of your costs, your coverage, and your employees’ care. It’s a smart move for employers who want flexibility and long-term savings, especially as healthcare costs continue to climb. But even the best strategies come with unpredictability. That’s where stop-loss insurance steps in. Think of it as a […]
Perfecting Your Self-Funded Plan: The Complete Stop Loss Insurance Guide
In 2020, an astounding 67% of workers in the United States were enrolled in self-funded health plans, representing a dramatic increase from just 44% in 1999. This remarkable shift toward self-funding reflects employers’ growing desire for greater control over their healthcare costs and benefit designs. However, with this increased control comes significant financial risk that […]
Self-Insured Medical Plans: 6 Key Benefits for Employers in 2025
In today’s rapidly evolving healthcare landscape, businesses face mounting pressure to provide comprehensive health coverage while managing escalating costs. As medical expenses continue to rise at rates outpacing inflation, many organizations are exploring alternative approaches to traditional health insurance models. Self-insured medical plans have emerged as a compelling solution for employers seeking greater control, flexibility, […]
ERISA vs. Non-ERISA: Key Differences Explained
Are you trying to understand the difference between ERISA and non ERISA health plans? Whether you’re an employer offering benefits or an employee receiving them, knowing the difference between ERISA and non ERISA plans can significantly impact your healthcare coverage, legal protections, and administrative responsibilities. As a benefits compliance specialist with over a decade of […]
ERISA Bond Requirements for Health & Welfare Plans: What HR Needs to Know
Have you ever wondered, “What is an ERISA bond, and why does it matter for employee benefit plans?” If you’re involved in managing or overseeing retirement plans, or health and welfare plans, understanding ERISA bonds isn’t just helpful—it’s crucial. The Employee Retirement Income Security Act (ERISA) of 1974 brought about significant changes to protect the […]
Who Is Subject to ERISA? Health and Welfare Plan Coverage Rules Explained
The Employee Retirement Income Security Act (ERISA) establishes critical protections for millions of Americans enrolled in employer-sponsored health and welfare benefit plans. Yet many employers and employees remain uncertain about exactly which health plans fall under ERISA jurisdiction. Understanding whether your organization’s medical, dental, vision, or life insurance plans are subject to ERISA isn’t just […]
Level Funded vs Self Funded Health Plans: A Comprehensive Comparison for Employers
Are you evaluating health insurance options for your business? Understanding the differences between level funded and self funded health plans is crucial for making an informed decision that aligns with your company’s needs and financial objectives. Both funding models offer distinct advantages depending on your organization’s size, risk tolerance, and administrative capabilities. Key Differences Between […]
Why Employers with January 1 Renewals Should Start Their Healthcare RenewalProcess NOW
If your company’s health plan renews on January 1, the time to start preparing isn’t October—or even September—it’s now. While it may seem early, waiting too long compresses your decision-making window, limits your options, and often locks you into the same expensive patterns year after year. At Ethos Benefits, we start our renewal process six […]
