Players in the small group health plan stop-loss insurance market have different ideas about what typical stop-loss "attachment points" -- the deductibles for self-insured health plans -- really are.
Lee Johnson, president of Mid-American Benefits Inc., Omaha, Neb., says its typical client employer with 50 to 100 employees has a "specific" -- per-employee -- attachment of about $20,000 to $40,000.
Employers that self-insure group health benefits use stop-loss programs to limit their risk. A specific attachment point is to an employer with a stop-loss program what a per-family-member deductible is to an individual John Doe who buys ordinary individual health insurance from XYZ Insurance.
Empployers and stop-loss providers also use aggregate attachment points, or, in effect, deductibles that apply to a whole plan, not just a specific enrollee.