Funding models
Aggregate stop-loss
The layer of stop-loss insurance that caps total claims for the entire group in a plan year. If the aggregate attachment is $1.2 million and the group's total claims hit $1.5 million, the carrier covers the $300,000 overage.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Funding models
Fully-insured plan
Carrier takes claims risk. Fixed premium.
Self-funded (self-insured) plan
Employer pays claims directly. Stop-loss limits risk.
Level-funded plan
Hybrid self-funded with stop-loss. Year-end refund possible.
Stop-loss insurance
Caps employer exposure on catastrophic claims.
Specific stop-loss
Caps individual-claimant exposure.
MEWA (Multiple Employer Welfare Arrangement)
Health plan covering employees of multiple unrelated employers.
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