Multi-million-dollar stop-loss claims have surged over the past decade, as highlighted in the Tokio Marine 2025 Annual Market Report. To help self-funded employers tackle high-dollar claims, MedBen offers a range of proven cost-management solutions.
From 2019 to 2024, stop-loss claim severity for amounts over $2 million trended upward at 4.4% – and in the last two years, average severity exceeded $3 million. Even more striking, the frequency of these claims has jumped by over 1,250% since 2013.
This spike in claim costs can be attributed to multiple factors, including the elimination of lifetime maximums under the Affordable Care Act, chronic disease prevalence, and growing use of specialty medications. In response to these challenges, MedBen has developed cost-containment strategies that have earned us a reputation as a top-tier partner in the stop-loss market.
These strategies are highlighted in this year’s Client Report. Whether you’re looking to optimize medical spend, improve pharmacy management, or identify high-risk members earlier, there’s a solution for you.
If you haven’t downloaded your copy of the 2025 Client Report, we encourage you to do so today. To learn more about any of the strategies featured – or to discuss which ones best fit your plan’s needs – contact your broker or call MedBen Marketing.