White Papers & Research

In-depth analysis and practical guides to help you master stop-loss insurance and self-funding strategies.

White PaperDecember 19, 2025

Stop Loss Underwriting: A Deep Dive

This white paper explores the mechanics of stop loss underwriting, highlighting how carriers determine premium rates by blending actuarial manual rates with a group's historical claims experience.

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White PaperOctober 22, 2024

The True Cost of Doing Nothing: Why Sticking with Fully-Insured Plans is Costing Your Clients More Than You Think

This white paper explores the hidden costs and missed opportunities when employers choose to remain with fully-insured health plans. It reveals how the decision to "do nothing" costs far more than just annual premium increases—it means forfeiting control, transparency, data access, and substantial financial savings that come with self-funding.

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Topics We Cover

Our white papers address the most pressing challenges brokers face in stop-loss and self-funding

Stop-Loss Insurance

Attachment points, contract language, carrier selection, and placement strategies

Self-Funding Strategies

Feasibility analysis, implementation best practices, and success factors

Compliance & Regulations

ERISA, COBRA, ACA requirements, and regulatory updates

Market Analysis

Carrier trends, pricing dynamics, and market opportunities

Cost Containment

PBM strategies, network optimization, and claims management

Underwriting

Manual rates, experience rating, credibility theory, and pricing mechanics

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