Coverage by self-funded insurances with stoploss by firm size U.S. 2025| ��ƽ��

Percentage of U.S. workers in self-funded insurance plans that are covered by stoploss insurance in 2025, by firm size

Company size	Percentage of workers
50-199 workers	79%
200-999 workers	93%
1,000-4,999 workers	92%
5,000 or more workers	66%
All self-funded firms	75%

Download

Source

Show detailed source information?

Already a member?

Source

Release date

October 2025

More information

Region

United States

Survey time period

2025

Method of interview

Computer-assisted telephone interviews (CATI)

Supplementary notes

Figure includes covered workers enrolled in self-funded plans in which the firm's liability is limited through stoploss coverage. Self-funded plans: an insurance arrangement in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims. Employers sponsoring self-funded plans typically contract with a third-party administrator or insurer to provide administrative services for the self-funded plan. In some cases, the employer may buy stoploss coverage from an insurer to protect the employer against very large claims.

Citation formats

According to the data, among all self-funded firms, 75 percent had stoploss coverage in 2025. Self-funded plans are those in which the employer assumes direct financial responsibility for the costs of enrollees’ medical claims rather than purchasing health insurance for them. Stoploss coverage is used to limit the firm's liability for very large claims or an unexpected level of expenses. Generally, the larger the company, the more it is able to spread the risk of costly claims over a large number of workers and dependents and therefore has less need for stoploss coverage.