Managing Self-insured Losses Under Health Care Reform

For many companies, particularly smaller companies, stop-loss insurance makes self-insured health benefit plans possible. While larger companies (those with 1,000 or more employees) can more easily predict their claims and spread any large losses over a larger employee base, smaller companies could see their health care costs be significantly skewed by just a few or even one large claim. As a result, a company that spent $1,000,000 one year could see claims double or worse the following year.

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