Where we’re going

The stop-loss insurance market is facing a stress test. After several years of relatively stable trends, a wave of high-dollar claims has triggered significant losses, rate hikes and tighter underwriting. For employers with self-insured health plans, this shift brings serious consequences. They face higher stop-loss premiums, increased claim scrutiny, fewer coverage guarantees and in some … Continued

The 2025 Milliman Medical Index (MMI) estimates the average cost of employer-sponsored health coverage for a family has reached $35,000. That’s not a forecast, it’s the new reality. If you’re an employer offering health coverage, this number isn’t surprising. You’ve been watching premiums rise year after year while absorbing the majority of the increased premium … Continued