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High-dollar claims remain a key driver of increased costs in employer-sponsored health plans. As a result, individual stop-loss premiums increased by 7% to 16% or more from 2021 to 2023, according to the latest Aegis Risk Medical Stop-Loss Premium Survey, which was cosponsored by the International Society of Certified Employee Benefit Specialists.

“This dynamic, known as leveraged trend, occurs as the underlying increase in expense of a catastrophic medical claimant is fully borne by an unchanged stop-loss deductible from one year to the next,” the report said.


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