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Cost Considerations
The cost of stop loss insurance varies based on several factors, including the size of the company, the industry, and the level of coverage selected. Generally, premiums are calculated as a percentage of the expected claims, with specific stop loss premiums typically ranging from 0.5% to 1% of the total healthcare budget1. Aggregate stop loss premiums are usually lower, reflecting the broader nature of the coverage. It's important for businesses to carefully evaluate their risk tolerance and financial capacity when selecting a plan, as the right balance can lead to significant savings over time.