Stop-Loss Carriers & MGUs

Amwins Self-Funded (formerly Stealth Partner Group) wholesale agency and MGU that places and services medical stop-loss with leading carriers; $2.9B+ annual premium placements claimed.

AXIS Re Accident & Health provides U.S. healthcare reinsurance lines including Employer Stop Loss and Medical Excess of Loss for insurers, MGUs/MGAs, brokers, and captives.

Cigna Healthcare individual and aggregate stop-loss for self-funded medical, including incurred and paid contracts, firm quotes, and automatic reimbursement when integrated with Cigna administration.

CRC Group’s Ethos Underwriting Services MGU writes specific and aggregate medical stop-loss for self-funded employers, historically on Nationwide and Fidelity Security Life paper.

National stop-loss carrier (HM Life / Bridge City) for self-funded employers, plus assumed A&H reinsurance, provider excess, and captives in select markets.

Markel is a specialty insurer; medical stop-loss has been written via a 2022 program-manager deal with Xchange Benefits MGU, not as a primary product on markel.com.

Pan-American Life Insurance Group (New Orleans) lists medical stop-loss among U.S. group A&H products; 2024 annual report cites refreshed stop-loss products for self-insured employers.

PartnerRe U.S. Health: 30+ year direct employer stop-loss writer, HMO/provider stop-loss, medical reinsurance, and complementary PULSE + Plus clinical programs.

QBE US medical stop-loss for groups of 50+ lives, specific deductibles $25,000–$2 million, RBP credits, no-new-laser/rate-cap endorsement, and optional QBE Rewards.

Ryan Specialty Benefits (ACE, AccuRisk, Point6) places stop-loss, captives, and level-funded solutions for retail brokers and TPAs, with delegated underwriting and 48-hour indications.

Independent medical stop-loss from Sun Life U.S. for self-funded employers, including traditional coverage, captives, Clinical 360, and high-cost-claim analytics.

Swiss Re Corporate Solutions America writes employer specific and aggregate stop-loss in all 50 states and D.C., plus captive programs with leading captive managers.

Symetra Life stop-loss since 1976: specific deductibles from $25,000, unlimited annual/lifetime specific benefits, standard 125% aggregate corridor, and TPA/ASO partnerships.

HCC Life Insurance Company (Tokio Marine HCC A&H Group) medical stop-loss for groups of 50+ lives, plus captives, Taft-Hartley, organ transplant, and cell-and-gene-therapy products.

UnitedHealthcare stop-loss sold with UHC as both plan administrator and stop-loss carrier so claim decisions are not second-guessed by an external writer.

ReliaStar-underwritten Voya Employee Benefits stop-loss for self-funded groups (typically 100+ lives), including unbundled paper, cost-containment vendors, and Stop Loss Edge for mid-market pools.