Filed Under:Health Insurance, Individual Health

PPACA: Milliman Analyzes Low-Deductible Stop-Loss

NAIC teams continue to study small stop-loss arrangements. (AP Photo/Rick Bowmer)
NAIC teams continue to study small stop-loss arrangements. (AP Photo/Rick Bowmer)

State insurance regulators and others are still thinking about whether states, federal agencies, someone else, or no one should put new limits on small employers' use of stop-loss arrangements. 

The Health Actuarial Task Force at the National Association of Insurance Commissioners (NAIC), Kansas City, Mo., has included a copy of a report on the topic by actuaries in the Chicago office of Milliman Inc. in a packet of materials prepared for an upcoming task force meeting.

For an employer group with 50 or fewer people in it, the Self-Insurance Subgroup thinks the minimum recommended per-employee deductible should increase to $60,000, from $20,000 today, Horn says.

The subgroup thinks the recommended minimum whole-plan deductible should increase to $15,000 times the number of people in the plan, from $4,000 times the number of people in the plan today, Horn says.

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Nichole Morford

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