State-by-State Stop-Loss Regulations
Comprehensive reference guide for stop-loss insurance requirements across all 50 states and DC
Important Notice for Brokers
State stop-loss regulations change frequently. This reference guide is based on industry sources and should be verified with your state department of insurance before quoting.
Note: Treatment self-funded health plans may not be available for all states listed. Check product availability at TrustmarkSSB.com
Last updated: October 2025 | Sources: NABIP, Trustmark, state insurance departments
Complete State Reference Table
Comprehensive listing of all 50 states and DC with minimum requirements and regulatory contact information.
| State | Min Specific Deductible | Min Aggregate Attachment | Department Contact |
|---|---|---|---|
Alabama | $10,000 | No minimum | |
Alaska Regulated2-50 Employees | $10,000 | $4,000 per person or 120% of expected claims | |
Arizona | $10,000 | No minimum | |
Arkansas RegulatedAll employers | $20,000 | $4,000 per employee or 120% of expected claims (≤50 employees); 110% of expected claims (>50 employees) | |
California Highly RegulatedUp to 100 FTE: $40,000; 101+ FTE: $15,000 | Up to 100 FTE: $40,000; 101+ FTE: $15,000 | Up to 100 FTE: $40,000; 101+ FTE: $10,000 | |
Colorado Regulated | Up to 100 employees: $20,000; 101+ employees: $15,000 | Up to 100 employees: $20,000; 101+ employees: $15,000 | |
Connecticut Regulated | $20,000 | $20,000 | |
Delaware | $10,000 | No minimum | |
District of Columbia | $10,000 | No minimum | |
Florida Regulated | $20,000 | $20,000 | |
Georgia | $10,000 | No minimum | |
Idaho | $10,000 | No minimum | |
Illinois | $10,000 | No minimum | |
Indiana | $10,000 | No minimum | |
Iowa | $10,000 | No minimum | |
Kansas | $10,000 | No minimum | |
Kentucky | $10,000 | No minimum | |
Louisiana | $10,000 | No minimum | |
Maine | $10,000 | No minimum | |
Maryland | $10,000 | No minimum | |
Massachusetts | $10,000 | No minimum | |
Michigan | $10,000 | No minimum | |
Minnesota | $10,000 | No minimum | |
Mississippi | $10,000 | No minimum | |
Missouri | $10,000 | No minimum | |
Montana | $10,000 | No minimum | |
Nebraska | $10,000 | No minimum | |
Nevada | $10,000 | No minimum | |
New Hampshire | $10,000 | No minimum | |
New Jersey | $10,000 | No minimum | |
New Mexico | $10,000 | No minimum | |
New York | $10,000 | No minimum | |
North Carolina | $10,000 | No minimum | |
North Dakota | $10,000 | No minimum | |
Ohio | $10,000 | No minimum | |
Oklahoma | $10,000 | No minimum | |
Oregon | $10,000 | No minimum | |
Pennsylvania | $10,000 | No minimum | |
Rhode Island | $10,000 | No minimum | |
South Carolina | $10,000 | No minimum | |
South Dakota | $10,000 | No minimum | |
Tennessee | $10,000 | No minimum | |
Texas | $10,000 | No minimum | |
Utah | $10,000 | No minimum | |
Vermont | $10,000 | No minimum | |
Virginia | $10,000 | No minimum | |
Washington | $10,000 | No minimum | |
West Virginia | $10,000 | No minimum | |
Wisconsin | $10,000 | No minimum | |
Wyoming | $10,000 | No minimum |
Legend:
- • "No minimum" indicates the state has not enacted specific minimum attachment point requirements
- • FTE = Full-Time Equivalent employees
- • States with "Regulated" badge have specific statutory requirements beyond the standard $10,000 minimum
- • Always verify current requirements with the state department of insurance before quoting
States with Specific Stop-Loss Regulations
The following states have enacted specific minimum deductible or aggregate attachment point requirements for stop-loss insurance:
Alaska
REGULATEDRegulatory Requirements
- Legal Citation:
- Alaska Stat. § 21.42.145
- Applies to:
- Employers with 2-50 employees
- Minimum Specific Deductible:
- $10,000
- Minimum Aggregate Attachment:
- $4,000 per person or 120% of expected claims or $20,000 (whichever is greater)
- Guaranteed Issue:
- No
Additional Requirements
- Prohibits direct payment to covered individuals
- Prohibits specific deductible limits below $10,000
State Contact
Alaska Division of Insurance
Phone: 1-907-269-7900
www.commerce.alaska.gov/web/ins/Arkansas
REGULATEDRegulatory Requirements
- Legal Citation:
- Ark. Code § 23-62-111
- Applies to:
- All employers
- Minimum Specific Deductible:
- $20,000
- Minimum Aggregate Attachment:
- • ≤50 employees: $4,000 per employee or 120% of expected claims or $20,000 (whichever is greater)
• >50 employees: 110% of expected claims - Guaranteed Issue:
- No
Additional Requirements
- Requires stop-loss applications to disclose that purchase does not relieve employer of all risks
- Must disclose that stop-loss carrier is not a fiduciary
- Prohibits direct payment to covered individuals
State Contact
Arkansas Insurance Department
Phone: 1-800-852-5494
insurance.arkansas.govCalifornia
HIGHLY REGULATEDRegulatory Requirements
- Legal Citation:
- Cal. Ins. Code § 10752-10752.8
- Applies to:
- All employers (thresholds vary by FTE)
- Minimum Specific Deductible:
- • Up to 100 FTE: $40,000
• 101+ FTE: $15,000 - Minimum Aggregate Attachment:
- • Up to 100 FTE: $40,000
• 101+ FTE: $10,000 - Guaranteed Issue:
- Yes
Additional Requirements
- Guaranteed renewable coverage
- Prohibits direct payment to covered individuals
- Specific deductible limits below $40,000 prohibited (effective 2016)
State Contact
California Department of Insurance
Phone: 1-800-927-4357
www.insurance.ca.govColorado
REGULATEDRegulatory Requirements
- Minimum Specific Deductible:
- • Up to 100 employees: $20,000
• 101+ employees: $15,000 - Minimum Aggregate Attachment:
- • Up to 100 employees: $20,000
• 101+ employees: $15,000
Connecticut
REGULATEDRegulatory Requirements
- Minimum Specific Deductible:
- $20,000
- Minimum Aggregate Attachment:
- $20,000
Florida
REGULATEDRegulatory Requirements
- Minimum Specific Deductible:
- $20,000
- Minimum Aggregate Attachment:
- $20,000
Need Help Navigating State Regulations?
Our team stays current on all 50 states' stop-loss requirements and can help you quote compliant coverage for any group.
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