Stop-Loss Deductible Analyzer

Finding the optimal stop-loss deductible requires balancing premium savings against increased claims liability. Too low, and you're overpaying for coverage. Too high, and the additional risk exposure could eliminate any savings.

Our analyzer uses your actual claims history to model different deductible scenarios, trending data forward with medical inflation to show the true financial impact of each option. In minutes, you'll see exactly how much you could save—or lose—at each deductible level.

This tool processes up to 35 high-cost claimants across 4 years, automatically calculating excess claims at multiple deductible thresholds and comparing carrier quotes to identify your optimal strategy.

Analyze Your Deductible Options

Enter your historical claims data and carrier quotes to see a comprehensive analysis of deductible options with net savings projections.

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Basic Information
2
Current Setup
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Historical Claims
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Deductible Options
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Review & Calculate
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Results

Basic Information

Let's start with some basic information about the group and analysis parameters.

The effective date for the new stop-loss coverage

%

Annual medical inflation rate used to trend claims forward (typically 5-10%)

About Medical Trend

The medical trend rate adjusts historical claims to future dollars. For example, a 7% trend rate means medical costs are expected to increase 7% annually. This ensures your analysis reflects projected costs at the effective date rather than historical values.

Your claims data is processed securely on our servers.

All Excel processing and calculations remain protected.

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What This Tool Does

Trend Historical Claims

Applies medical inflation to bring all historical claims to future dollar values for accurate comparison

Calculate Excess Claims

Determines claim amounts exceeding each deductible threshold to quantify additional liability

Show Net Savings

Compares premium savings against increased risk to identify the deductible with maximum net benefit

How the Analysis Works

1

Input Historical Claims

Enter up to 35 high-cost claimants from the past 4 years. Focus on claims that exceeded or came close to your specific deductible.

2

Apply Medical Trend

The tool trends all claims forward using your specified medical inflation rate (typically 5-10% annually) to project future costs.

3

Compare Deductible Options

Enter carrier quotes for up to 4 alternative deductibles. The analyzer calculates excess claims at each level.

4

Get Net Savings Analysis

See premium savings minus additional claims liability for each option, with a clear recommendation on the optimal deductible.

Need Help with Stop-Loss Analysis?

Our team can help you evaluate deductible options and develop the optimal stop-loss strategy for your clients.

Contact Our Experts