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Stop-Loss Insurance

Health care self-insurance and stop-loss coverage: What business owners need to know

Health Care Insurance, Small Business Tips /

For businesses, cost-effectively sponsoring a health insurance plan for employees is an ongoing battle. In the broadest sense, you have two options: fully insured or self-funded. A fully insured plan is simply one you buy from an insurer. Doing so limits your financial risk while offering the most predictable costs. The other option is what’s […]

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What business owners should know about stop-loss insurance

Health Care, Health Care Insurance, Insurance, Small Business /

When choosing health care benefits, many businesses opt for a self-insured (self-funded) plan rather than a fully insured one. Why? Among various reasons, self-insured plans tend to offer greater flexibility and potentially lower fixed costs. When implementing a self-insured plan, stop-loss insurance is typically recommended. Although buying such a policy isn’t required, many small to

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