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Trustmark

Public facts

Level-funded small-business medical

Trustmark Small Business Benefits level-funded self-funded medical for groups with 5+ enrolling employees, administered by Star Marketing and Administration, with stop-loss from Trustmark Life.

Visit trustmarkbenefits.com

Overview

Trustmark Small Business Benefits is Trustmark’s level-funded medical portfolio for small to mid-size employers. Public pages describe self-funded plan designs with level monthly payments, stop-loss for 5 or more enrolling employees, major-medical and preventive-only options, reference-based pricing designs, HRAs, ancillary products, and national or regional PPO networks (including Cigna PPO network services administered by Cigna Health and Life Insurance Company). Plans are administered by Star Marketing and Administration, Inc. Stop-loss and ancillary coverage are provided by Trustmark Life Insurance Company. Availability and coverage may vary by state.

Why it matters Trustmark is a long-running small-group level-funded shop with a named TPA (Star) and stop-loss legal entity, plus optional RBP designs—not only a PPO wrap.

Target buyer
Small to mid-size employers with 5 or more enrolling employees, and brokers placing Trustmark level-funded medical.
Pricing model
Quoted level monthly payment (stop-loss, administration, and claims prefund)
No public rate card. Quotes are directed to TrustmarkSB.com. Plan design availability varies by state. Trustmark discloses consolidated family assets of $3.1 billion and 110 collective years in employee benefits; those are company facts, not prices.
Availability
National
Research
Last researched 2026-08-23
Public facts category

Key features

  • Level-funded self-funded medical for 5+ enrolling employees
  • Stop-loss from Trustmark Life Insurance Company
  • Administration by Star Marketing and Administration, Inc.
  • Reference-based pricing plan designs plus other major-medical and preventive-only designs
  • National and regional PPO network options, including Cigna PPO network services (CHLIC-administered)
  • HRA plan designs and ancillary coverage
  • Possible surplus refund if the claims account has a surplus (named in Trustmark self-funding guides)
  • Trusted Member Care specialists named on Trustmark education pages

Integrations

  • Star Marketing and Administration, Inc. (TPA / administrator)
  • Cigna PPO network services administered by Cigna Health and Life Insurance Company (disclosed on the Small Business Benefits page)
  • National and regional PPO networks (full roster not published on the pages reviewed)

Overview

Trustmark Small Business Benefits is the level-funded / self-funded medical line of Trustmark, marketed from trustmarkbenefits.com. Trustmark also sells voluntary benefits and HealthFitness corporate fitness; those are separate businesses on the same site.

The medical product is employer-sponsored self-funding with a level bill: monthly dollars apply to aggregate/specific stop-loss premium, administration, and a claims prefund account. Guides say employers with a surplus may receive a refund. Stop-loss is Trustmark Life Insurance Company. Administration is Star Marketing and Administration, Inc. Lake Forest, Illinois (400 Field Drive) appears on Trustmark SBB PDFs.

Trustmark Insurance Company trademarks include Trustmark Small Business Benefits, Trustmark HealthyChoices, Trustmark HealthyEdge, Trustmark Healthy Incentives, and Trustmark Preventive Plus. AM Best financial-strength ratings on the homepage apply to Trustmark Insurance Company, Trustmark Life Insurance Company, and Trustmark Life Insurance Company of New York (rating review dated April 15, 2025 on the page captured).

Key Capabilities

  • Level monthly payments regardless of claim activity (enrollment-consistent).
  • Stop-loss for groups with 5 or more enrolling employees.
  • Major-medical, non-major-medical / preventive-only, HRA, and RBP options (RBP with copay, RBP CDHP/HSA, and dual-option RBP named in broker PDFs).
  • National and regional PPOs; Cigna PPO access is disclosed as CHLIC-administered, not Trustmark-owned.
  • Ancillary products and wellness / cost-saving services.
  • Member and employer support branded Trusted Member Care on education pages.

Integrations & Ecosystem

Named administrators and networks: Star Marketing and Administration; Trustmark Life stop-loss; Cigna PPO via CHLIC. A complete PPO-vendor or EDI partner list is not on the Small Business Benefits homepage.

Trustmark also appears in this directory’s TPA category research as Trustmark Health Benefits; this page is the level-funded Small Business Benefits product.

Pricing

Quote-only via TrustmarkSB.com / sales. No public PEPM. Surplus refunds are possible, not guaranteed. State variation applies.

Notes & Limitations

  • “Nationwide” product language plus “availability may vary by state.” No full state list captured; recorded as National.
  • Cigna is a contracted network, not the stop-loss carrier.
  • Do not confuse Trustmark voluntary or HealthFitness with the medical level-funded product.
  • Asset and tenure figures are company-level, not medical-book metrics.

Sources

Tags: level-funded · Trustmark · stop-loss · reference-based pricing · small group · TPA