Filed Under:Health Insurance, Individual Health

Sam Fleet: Self Funding Is Doing Fine

State and federal regulators have been talking for months about putting the brakes on the market for small self-insured health plans and the stop-loss insurers that protect those plans against catastrophic losses.

So far, though, the small-group self-insured plan market and the overall health stop-loss market seem to be doing well, according to Sam Fleet, president of the AmWINS Group Benefits Division, Warwick, R.I.

Many states set minimum stop-loss deductibles for small groups, to discourage employers from thinking of a small, low-deductible stop-loss plan as a form of ultra-flexible, lightly regulated major medical insurance. 

California lawmakers have been working on a bill that could increase the minimum small-group stop-loss deductibles in that state, and the National Association of Insurance Commissioners (NAIC), Kansas City, Mo., has been looking into the idea of increasing the stop-loss deductible minimums it recommends.

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Nichole Morford

Nichole Morford
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