BC Advantage - 2025 Issue 2

Rate Increases in Stop Loss or Pie in the Sky?

As of recently, some industry colleagues are suggesting that the stop-loss market will produce low double-digit rate increases in 2025. This would suggest that the market is or will be firming up from years of very competitive pricing to the consumers' benefit but to the stop-loss insurance industry's financial disadvantage.   In my opinion, there are a number of viables and measurements that can play into, if not shape, the narrative. That said, I believe that most parties will likely agree that medical costs are out of hand, and from the insurance industry's perspective, the stop-loss market has been...

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