Where should your stop-loss attachment point actually sit?
A 1,000-trial Monte Carlo of your claims volatility. Drag the threshold to see how often a chosen attachment would breach in a typical plan year, and what premium that corresponds to in today's market.
Sources · NAIC stop-loss filings · KFF Employer Health Benefits Survey · Sun Life · Berkley
Plan inputs
Cost distribution · 1,000 simulations
4.9% of 1,000 Monte Carlo simulations land above your threshold — the share of plan years that would breach your stop-loss program.
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Methodology and assumptions▾
Distribution · Per-employee annual claim cost is modeled log-normal, calibrated so the mean equals the public KFF per-employee figure (~$8,400). The sigma parameter is set by your volatility selection (low: 0.95, moderate: 1.2, high: 1.55).
Stop-loss application · For each of 1,000 simulations we sum per-claimant cost capped at the specific attachment, then cap that sum at the aggregate corridor multiple of expected claims.
Premium estimates · Calibrated to NAIC schedule loss ratios for the US medical stop-loss market (~65%). Real market quotes will vary based on claim history, demographics, region, and carrier appetite.
Important · This tool is market-illustrative, not a binding quote. Use it to frame the underwriting conversation, not to replace it.