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Insurance companies themselves, as well as self-insuring employers, purchase stop-loss coverage for a premium to protect themselves. [1] In the case of a participant reaching more than the specific (or "individual") stop-loss deductible ($300,000, for example), the insurer will reimburse the insured (the company, not the participant) for the remainder of the claim to be paid over that ...
A 2013 Kaiser Family Foundation study [9] revealed that 59% of self-insured groups’ employees are members of plans that have purchased stop-loss insurance. That number may be a significant underestimate, however, due to groups' being hesitant to admit that they have stop-loss coverage.
A leading stop-loss insurance carrier announces SunElite, SM a medical plan document review service to help self-insured employers comply with the Affordable Care Act and manage cost containment
In the United States the concept applies especially to self-funded health care and may involve, for example, an employer providing certain benefits – generally health benefits or disability benefits – to employees and funding claims from a specified pool of assets rather than through an insurance company, as the term is traditionally used ...
Short-term health insurance is a type of health insurance available outside of the ACA marketplace. With monthly costs ranging from around $100 to $300, these plans might sound like a great deal.
According to the US Census Bureau, about 9% of Americans are covered under individual health insurance. [1] In the individual market, consumers pay the entire premium without an employer contribution, [2] [3] and most do not receive any tax benefit. [4] The range of products available is similar to those provided through employers.
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