Title: Stop-loss insurance for Employers
Source: https://ethosbenefits.com/topics/stop-loss
Publisher: Ethos Benefits
Summary: How stop-loss insurance works for self-funded employers: specific and aggregate coverage, deductibles, attachment points, contracts and cost.

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# Stop-loss insurance. The protection under a self-funded plan.

How stop-loss insurance works for self-funded employers: specific and aggregate coverage, deductibles, attachment points, contracts and cost.

Start with the main guide

## [How does stop-loss insurance work?](https://ethosbenefits.com/benefits-101/stop-loss-insurance)

Stop-loss insurance reimburses a self-funded employer when health claims pass a set limit. Specific stop-loss covers one person's claims above a per-person deductible, and aggregate stop-loss covers total plan claims above a group-wide cap. The employer pays claims up to those attachment points, and the carrier reimburses the excess.

[Read the guide](https://ethosbenefits.com/benefits-101/stop-loss-insurance)

In this guide

1.  What is Stop-Loss Insurance?
2.  What Are the Benefits of Stop-Loss Insurance?
3.  What Are the Types of Stop-Loss Insurance?
4.  How Does Stop-Loss Insurance Work?
5.  What is an attachment point, and how low can it go?
6.  What are the stop-loss contract types?
7.  What is lasering?

## Guides 4

-   [**How much does stop-loss insurance cost?** Stop-loss insurance _Guide_](https://ethosbenefits.com/benefits-101/stop-loss-insurance-cost)
-   [**Stop-loss captives explained** Stop-loss insurance _Guide_](https://ethosbenefits.com/benefits-101/stop-loss-captive)
-   [**Stop-loss health insurance examples** Stop-loss insurance _Guide_](https://ethosbenefits.com/benefits-101/stop-loss-examples)
-   [**What is aggregate stop-loss insurance?** Stop-loss insurance _Guide_](https://ethosbenefits.com/benefits-101/aggregate-stop-loss)

[How Ethos Benefits helps **Stop-loss procurement**](https://ethosbenefits.com/services/stop-loss) [See it in practice **Case study: Kalos Services**](https://ethosbenefits.com/results/kalos-services)

Other topics [ERISA and plan documents](https://ethosbenefits.com/topics/erisa) [ACA reporting](https://ethosbenefits.com/topics/aca-reporting) [Compliance rules and deadlines](https://ethosbenefits.com/topics/compliance) [Plan financing](https://ethosbenefits.com/topics/plan-financing) [Pharmacy and PBMs](https://ethosbenefits.com/topics/pharmacy) [Fiduciary duty and advisor pay](https://ethosbenefits.com/topics/fiduciary-duty) [Benefits strategy and administration](https://ethosbenefits.com/topics/benefits-strategy) [A to Z glossary](https://ethosbenefits.com/benefits-101/glossary)

## See what your plan is really costing you.

A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture.

[Request a Strategic Analysis](https://ethosbenefits.com/strategic-analysis) [Call (407) 803-4710](tel:+14078034710)