Apta Stop-Loss
When your health plan performs better, stop-loss should too
We connect employers and consultants to dozens of A-rated stop-loss carriers, tailor the carrier panel to each group, and manage the entire quoting process through our secure, proprietary platform.
If you’re new to stop-loss, read our guide:
Everything happens in one place.
Access to dozens of A-rated
Stop-Loss Carriers
We work with leading A-rated stop-loss carriers across the market. Those partners integrate directly into our proprietary platform, Apta Connect, making submissions, quotes, and communication faster and more organized.
Carrier Panels Built for Your Group
We tailor each carrier panel based on which Apta Health program the group has, employer size, geography, and risk profile.
Secure, HITRUST-Certified Infrastructure
All stop-loss data and communication lives inside our HITRUST-certified platform, ensuring sensitive plan and member information remains protected.
Flexible Stop-Loss Structures
From traditional stop-loss to level-funded and captive options, we help employers choose the structure that best aligns with their risk tolerance.
Stop-Loss Managed in
Apta Connect
Submissions, quotes, carrier communication, and documentation are organized through Apta Connect.
Contracting and Implementation Support
After coverage is selected, we handle contracting, carrier coordination, and implementation, so the transition happens smoothly.
Why is our pricing better?
Stop-loss pricing should reflect the strength of the health plan itself. Because we do not accept carrier overrides or volume bonuses, our only objective is securing the most competitive pricing available.
When the data shows a strong plan, carriers compete more aggressively to win the business.
Apta's Model
Better Plan Performance
Enriched Data through Apta Connect
Strong Carrier Relationships
Stronger Stop-Loss Pricing
Traditional Model
Quotes
Relationships and Volume Incentives
Pricing
Better risk management leads to better stop-loss pricing
We proactively identify and address the risk factors that most influence stop-loss pricing:
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high-cost claimants
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specialty drug exposure
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chronic condition trends
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utilization patterns
This allows us to present carriers with a clear, structured view of the group’s risk profile along with the strategies being implemented to manage them.
When carriers understand both the risk and how it is being addressed, they can evaluate the group more confidently and price coverage more competitively.
Guidance beyond the lowest quote
Selecting stop-loss coverage isn’t just about the lowest premium.
We evaluate carrier options based on:
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contract structure
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policy exclusions and limitations
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reimbursement provisions
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carrier viability and paper credibility
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service responsiveness
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long-term pricing stability
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whether a captive or level-funded structure may provide better value
Every recommendation is documented within the platform, creating a clear record of prudent decision-making so you can feel confident that you have fulfilled your ERISA fiduciary responsibilities.
Should you consider a captive instead?
Traditional stop-loss premiums are paid upfront and retained by the carrier regardless of claims experience.
Captives allow employers to share risk with other organizations and retain surplus when claims perform favorably.
Not every employer belongs in a captive. But organizations with stable claims and 50+ employees may benefit from exploring this option.
