Stop Loss Market Insights: Where We Have Been and What Is Driving Costs Ahead

The stop loss market has continued to grow, driven by self-insured employers’ rising need to protect their health plans against escalating high-cost claim exposure and by continued adoption of self-insured arrangements. This paper marks Part I of Lockton Re’s ‘Stop Loss Market Insights’ series, examining financial data on market growth, share and concentration, loss ratio performance, and high-level reinsurance buying patterns, drawn from Lockton Re’s analysis of industry financial and reporting data. Part II will follow separately, focusing on claims and the deeper trends driving these market-level results.

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